Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$188,424Cash toward the purchase price.
Closing costs + prepaids$11,076Not just lender fees.
Before credits & paid funds$199,501The complete starting cash picture.
Estimated remaining funds due at closing
$199,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,424.22
Your down payment$188,424.22
Closing costs + prepaids$11,076.34
Total buyer cash needed$199,500.56
Remaining funds due$199,500.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$295.25
Initial HOA (3 months)$225.00
Prepaid interest, first (21 days)$331.10
Fees + prepaids$11,076.34
Your down payment is the seller’s equity. You take over the $211,575 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $199,500.56 is due at closing. Uses and sources reconcile at $411,075.34 each. Not a Closing Disclosure.