Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$149,815Cash toward the purchase price.
Closing costs + prepaids$11,135Not just lender fees.
Before credits & paid funds$160,949The complete starting cash picture.
Estimated remaining funds due at closing
$160,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,814.55
Your down payment$149,814.55
Closing costs + prepaids$11,134.64
Total buyer cash needed$160,949.18
Remaining funds due$160,949.18
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 (1 days)$23.64
Fees + prepaids$11,134.64
Your down payment is the seller’s equity. You take over the $250,085 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $160,949.18 is due at closing. Uses and sources reconcile at $411,034.64 each. Not a Closing Disclosure.