Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$185,993Cash toward the purchase price.
Closing costs + prepaids$11,510Not just lender fees.
Before credits & paid funds$197,503The complete starting cash picture.
Estimated remaining funds due at closing
$197,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,993.41
Your down payment$185,993.41
Closing costs + prepaids$11,509.51
Total buyer cash needed$197,502.92
Remaining funds due$197,502.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Initial HOA (3 months)$594.00
Prepaid interest, first (10 days)$221.76
Fees + prepaids$11,509.51
Your down payment is the seller’s equity. You take over the $213,007 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $197,502.92 is due at closing. Uses and sources reconcile at $410,509.51 each. Not a Closing Disclosure.