Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$149,423Cash toward the purchase price.
Closing costs + prepaids$10,988Not just lender fees.
Before credits & paid funds$160,410The complete starting cash picture.
Estimated remaining funds due at closing
$160,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,422.73
Your down payment$149,422.73
Closing costs + prepaids$10,987.76
Total buyer cash needed$160,410.49
Remaining funds due$160,410.49
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 (1 days)$27.76
Fees + prepaids$10,987.76
Your down payment is the seller’s equity. You take over the $249,577 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $160,410.49 is due at closing. Uses and sources reconcile at $409,987.76 each. Not a Closing Disclosure.