Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$229,788Cash toward the purchase price.
Closing costs + prepaids$10,778Not just lender fees.
Before credits & paid funds$240,566The complete starting cash picture.
Estimated remaining funds due at closing
$240,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,787.53
Your down payment$229,787.53
Closing costs + prepaids$10,778.18
Total buyer cash needed$240,565.71
Remaining funds due$240,565.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$536.00
Prepaid interest, first (1 days)$18.18
Fees + prepaids$10,778.18
Your down payment is the seller’s equity. You take over the $170,112 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $240,565.71 is due at closing. Uses and sources reconcile at $410,678.18 each. Not a Closing Disclosure.