Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$286,273Cash toward the purchase price.
Closing costs + prepaids$11,231Not just lender fees.
Before credits & paid funds$297,503The complete starting cash picture.
Estimated remaining funds due at closing
$297,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,272.91
Your down payment$286,272.91
Closing costs + prepaids$11,230.59
Total buyer cash needed$297,503.50
Remaining funds due$297,503.50
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)$335.25
Prepaid interest, first (31 days)$670.34
Fees + prepaids$11,230.59
Your down payment is the seller’s equity. You take over the $113,727 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $297,503.50 is due at closing. Uses and sources reconcile at $411,230.59 each. Not a Closing Disclosure.