Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$186,075Cash toward the purchase price.
Closing costs + prepaids$10,872Not just lender fees.
Before credits & paid funds$196,947The complete starting cash picture.
Estimated remaining funds due at closing
$196,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,074.83
Your down payment$186,074.83
Closing costs + prepaids$10,871.84
Total buyer cash needed$196,946.67
Remaining funds due$196,946.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$203.75
Prepaid interest, first (27 days)$443.09
Fees + prepaids$10,871.84
Your down payment is the seller’s equity. You take over the $213,925 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $196,946.67 is due at closing. Uses and sources reconcile at $410,871.84 each. Not a Closing Disclosure.