Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$234,497Cash toward the purchase price.
Closing costs + prepaids$11,728Not just lender fees.
Before credits & paid funds$246,226The complete starting cash picture.
Estimated remaining funds due at closing
$246,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,497.40
Your down payment$234,497.40
Closing costs + prepaids$11,728.46
Total buyer cash needed$246,225.86
Remaining funds due$246,225.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$641.50
Initial HOA (3 months)$420.00
Prepaid interest, first (27 days)$441.96
Fees + prepaids$11,728.46
Your down payment is the seller’s equity. You take over the $165,503 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $246,225.86 is due at closing. Uses and sources reconcile at $411,728.46 each. Not a Closing Disclosure.