Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$183,844Cash toward the purchase price.
Closing costs + prepaids$10,347Not just lender fees.
Before credits & paid funds$194,191The complete starting cash picture.
Estimated remaining funds due at closing
$194,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,843.61
Your down payment$183,843.61
Closing costs + prepaids$10,347.16
Total buyer cash needed$194,190.77
Remaining funds due$194,190.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$91.25
Prepaid interest, first (1 days)$40.91
Fees + prepaids$10,347.16
Your down payment is the seller’s equity. You take over the $215,156 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $194,190.77 is due at closing. Uses and sources reconcile at $409,347.16 each. Not a Closing Disclosure.