Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$198,074Cash toward the purchase price.
Closing costs + prepaids$11,890Not just lender fees.
Before credits & paid funds$209,964The complete starting cash picture.
Estimated remaining funds due at closing
$209,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,073.69
Your down payment$198,073.69
Closing costs + prepaids$11,889.95
Total buyer cash needed$209,963.64
Remaining funds due$209,963.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$440.25
Initial HOA (3 months)$762.00
Prepaid interest, first (31 days)$472.70
Fees + prepaids$11,889.95
Your down payment is the seller’s equity. You take over the $200,926 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $209,963.64 is due at closing. Uses and sources reconcile at $410,889.95 each. Not a Closing Disclosure.