Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$210,729Cash toward the purchase price.
Closing costs + prepaids$11,333Not just lender fees.
Before credits & paid funds$222,063The complete starting cash picture.
Estimated remaining funds due at closing
$222,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,729.41
Your down payment$210,729.41
Closing costs + prepaids$11,333.15
Total buyer cash needed$222,062.56
Remaining funds due$222,062.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$1,019.75
Prepaid interest, first (5 days)$89.40
Fees + prepaids$11,333.15
Your down payment is the seller’s equity. You take over the $189,171 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $222,062.56 is due at closing. Uses and sources reconcile at $411,233.15 each. Not a Closing Disclosure.