Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$197,587Cash toward the purchase price.
Closing costs + prepaids$11,433Not just lender fees.
Before credits & paid funds$209,020The complete starting cash picture.
Estimated remaining funds due at closing
$209,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,587.42
Your down payment$197,587.42
Closing costs + prepaids$11,432.54
Total buyer cash needed$209,019.95
Remaining funds due$209,019.95
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 (1 days)$15.29
Fees + prepaids$11,432.54
Your down payment is the seller’s equity. You take over the $201,413 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $209,019.95 is due at closing. Uses and sources reconcile at $410,432.54 each. Not a Closing Disclosure.