Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$244,810Cash toward the purchase price.
Closing costs + prepaids$11,000Not just lender fees.
Before credits & paid funds$255,811The complete starting cash picture.
Estimated remaining funds due at closing
$255,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,810.34
Your down payment$244,810.34
Closing costs + prepaids$11,000.33
Total buyer cash needed$255,810.67
Remaining funds due$255,810.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$480.00
Initial HOA (3 months)$120.00
Prepaid interest, first (10 days)$176.33
Fees + prepaids$11,000.33
Your down payment is the seller’s equity. You take over the $155,090 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $255,810.67 is due at closing. Uses and sources reconcile at $410,900.33 each. Not a Closing Disclosure.