Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$221,716Cash toward the purchase price.
Closing costs + prepaids$10,409Not just lender fees.
Before credits & paid funds$232,125The complete starting cash picture.
Estimated remaining funds due at closing
$232,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,715.58
Your down payment$221,715.58
Closing costs + prepaids$10,409.31
Total buyer cash needed$232,124.89
Remaining funds due$232,124.89
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 (1 days)$12.81
Fees + prepaids$10,409.31
Your down payment is the seller’s equity. You take over the $178,184 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $232,124.89 is due at closing. Uses and sources reconcile at $410,309.31 each. Not a Closing Disclosure.