Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$188,424Cash toward the purchase price.
Closing costs + prepaids$11,045Not just lender fees.
Before credits & paid funds$199,469The complete starting cash picture.
Estimated remaining funds due at closing
$199,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,424.22
Your down payment$188,424.22
Closing costs + prepaids$11,044.81
Total buyer cash needed$199,469.03
Remaining funds due$199,469.03
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 (19 days)$299.57
Fees + prepaids$11,044.81
Your down payment is the seller’s equity. You take over the $211,575 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $199,469.03 is due at closing. Uses and sources reconcile at $411,043.81 each. Not a Closing Disclosure.