Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$240,440Cash toward the purchase price.
Closing costs + prepaids$11,084Not just lender fees.
Before credits & paid funds$251,524The complete starting cash picture.
Estimated remaining funds due at closing
$251,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,439.85
Your down payment$240,439.85
Closing costs + prepaids$11,084.12
Total buyer cash needed$251,523.97
Remaining funds due$251,523.97
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)$369.50
Prepaid interest, first (31 days)$499.62
Fees + prepaids$11,084.12
Your down payment is the seller’s equity. You take over the $158,560 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $251,523.97 is due at closing. Uses and sources reconcile at $410,084.12 each. Not a Closing Disclosure.