Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$181,584Cash toward the purchase price.
Closing costs + prepaids$10,989Not just lender fees.
Before credits & paid funds$192,573The complete starting cash picture.
Estimated remaining funds due at closing
$192,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,583.99
Your down payment$181,583.99
Closing costs + prepaids$10,988.75
Total buyer cash needed$192,572.75
Remaining funds due$192,572.75
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)$489.00
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$20.75
Fees + prepaids$10,988.75
Your down payment is the seller’s equity. You take over the $218,316 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $192,572.75 is due at closing. Uses and sources reconcile at $410,888.75 each. Not a Closing Disclosure.