Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$187,909Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$198,670The complete starting cash picture.
Estimated remaining funds due at closing
$198,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,908.73
Your down payment$187,908.73
Closing costs + prepaids$10,761.05
Total buyer cash needed$198,669.77
Remaining funds due$198,669.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$295.25
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$15.81
Fees + prepaids$10,761.05
Your down payment is the seller’s equity. You take over the $212,090 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $198,669.77 is due at closing. Uses and sources reconcile at $410,760.05 each. Not a Closing Disclosure.