Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$236,318Cash toward the purchase price.
Closing costs + prepaids$11,498Not just lender fees.
Before credits & paid funds$247,816The complete starting cash picture.
Estimated remaining funds due at closing
$247,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,317.83
Your down payment$236,317.83
Closing costs + prepaids$11,497.73
Total buyer cash needed$247,815.56
Remaining funds due$247,815.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,020.00
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)$535.25
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$447.48
Fees + prepaids$11,497.73
Your down payment is the seller’s equity. You take over the $165,682 balance, so the rest of the $402,000 price is paid at closing. A second mortgage can cover part of it. $247,815.56 is due at closing. Uses and sources reconcile at $413,497.73 each. Not a Closing Disclosure.