Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$222,156Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$232,898The complete starting cash picture.
Estimated remaining funds due at closing
$232,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,156.23
Your down payment$222,156.23
Closing costs + prepaids$10,741.64
Total buyer cash needed$232,897.87
Remaining funds due$232,897.87
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)$172.50
Prepaid interest, first (27 days)$345.14
Fees + prepaids$10,741.64
Your down payment is the seller’s equity. You take over the $177,744 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $232,897.87 is due at closing. Uses and sources reconcile at $410,641.64 each. Not a Closing Disclosure.