Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$222,085Cash toward the purchase price.
Closing costs + prepaids$10,883Not just lender fees.
Before credits & paid funds$232,968The complete starting cash picture.
Estimated remaining funds due at closing
$232,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,085.49
Your down payment$222,085.49
Closing costs + prepaids$10,882.88
Total buyer cash needed$232,968.37
Remaining funds due$232,968.37
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)$296.75
Prepaid interest, first (19 days)$371.13
Fees + prepaids$10,882.88
Your down payment is the seller’s equity. You take over the $176,915 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $232,968.37 is due at closing. Uses and sources reconcile at $409,882.88 each. Not a Closing Disclosure.