Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$151,831Cash toward the purchase price.
Closing costs + prepaids$11,694Not just lender fees.
Before credits & paid funds$163,525The complete starting cash picture.
Estimated remaining funds due at closing
$163,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,830.76
Your down payment$151,830.76
Closing costs + prepaids$11,693.77
Total buyer cash needed$163,524.53
Remaining funds due$163,524.53
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)$617.50
Prepaid interest, first (20 days)$852.27
Fees + prepaids$11,693.77
Your down payment is the seller’s equity. You take over the $248,069 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $163,524.53 is due at closing. Uses and sources reconcile at $411,593.77 each. Not a Closing Disclosure.