Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$149,987Cash toward the purchase price.
Closing costs + prepaids$11,819Not just lender fees.
Before credits & paid funds$161,805The complete starting cash picture.
Estimated remaining funds due at closing
$161,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,986.56
Your down payment$149,986.56
Closing costs + prepaids$11,818.65
Total buyer cash needed$161,805.21
Remaining funds due$161,805.21
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)$550.00
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$858.65
Fees + prepaids$11,818.65
Your down payment is the seller’s equity. You take over the $249,013 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $161,805.21 is due at closing. Uses and sources reconcile at $410,818.65 each. Not a Closing Disclosure.