Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$213,520Cash toward the purchase price.
Closing costs + prepaids$10,837Not just lender fees.
Before credits & paid funds$224,357The complete starting cash picture.
Estimated remaining funds due at closing
$224,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,520.14
Your down payment$213,520.14
Closing costs + prepaids$10,837.12
Total buyer cash needed$224,357.26
Remaining funds due$224,357.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$480.00
Prepaid interest, first (6 days)$132.12
Fees + prepaids$10,837.12
Your down payment is the seller’s equity. You take over the $186,480 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $224,357.26 is due at closing. Uses and sources reconcile at $410,837.12 each. Not a Closing Disclosure.