Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$169,398Cash toward the purchase price.
Closing costs + prepaids$11,233Not just lender fees.
Before credits & paid funds$180,631The complete starting cash picture.
Estimated remaining funds due at closing
$180,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,397.98
Your down payment$169,397.98
Closing costs + prepaids$11,233.32
Total buyer cash needed$180,631.30
Remaining funds due$180,631.30
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)$500.00
Initial HOA (3 months)$141.00
Prepaid interest, first (18 days)$367.32
Fees + prepaids$11,233.32
Your down payment is the seller’s equity. You take over the $230,602 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $180,631.30 is due at closing. Uses and sources reconcile at $411,233.32 each. Not a Closing Disclosure.