Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$245,246Cash toward the purchase price.
Closing costs + prepaids$11,298Not just lender fees.
Before credits & paid funds$256,543The complete starting cash picture.
Estimated remaining funds due at closing
$256,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,245.62
Your down payment$245,245.62
Closing costs + prepaids$11,297.56
Total buyer cash needed$256,543.18
Remaining funds due$256,543.18
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)$770.00
Prepaid interest, first (16 days)$302.56
Fees + prepaids$11,297.56
Your down payment is the seller’s equity. You take over the $154,754 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $256,543.18 is due at closing. Uses and sources reconcile at $411,297.56 each. Not a Closing Disclosure.