Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,388Cash toward the purchase price.
Closing costs + prepaids$11,748Not just lender fees.
Before credits & paid funds$162,136The complete starting cash picture.
Estimated remaining funds due at closing
$162,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,388.16
Your down payment$150,388.16
Closing costs + prepaids$11,747.77
Total buyer cash needed$162,135.93
Remaining funds due$162,135.93
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)$524.00
Initial HOA (3 months)$363.00
Prepaid interest, first (27 days)$636.77
Fees + prepaids$11,747.77
Your down payment is the seller’s equity. You take over the $249,512 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $162,135.93 is due at closing. Uses and sources reconcile at $411,647.77 each. Not a Closing Disclosure.