Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$230,322Cash toward the purchase price.
Closing costs + prepaids$11,322Not just lender fees.
Before credits & paid funds$241,643The complete starting cash picture.
Estimated remaining funds due at closing
$241,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,321.59
Your down payment$230,321.59
Closing costs + prepaids$11,321.70
Total buyer cash needed$241,643.29
Remaining funds due$241,643.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$536.00
Prepaid interest, first (31 days)$561.70
Fees + prepaids$11,321.70
Your down payment is the seller’s equity. You take over the $169,578 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $241,643.29 is due at closing. Uses and sources reconcile at $411,221.70 each. Not a Closing Disclosure.