Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$253,301Cash toward the purchase price.
Closing costs + prepaids$10,800Not just lender fees.
Before credits & paid funds$264,101The complete starting cash picture.
Estimated remaining funds due at closing
$264,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,300.63
Your down payment$253,300.63
Closing costs + prepaids$10,800.13
Total buyer cash needed$264,100.76
Remaining funds due$264,100.76
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)$331.25
Prepaid interest, first (20 days)$253.88
Fees + prepaids$10,800.13
Your down payment is the seller’s equity. You take over the $145,699 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $264,100.76 is due at closing. Uses and sources reconcile at $409,800.13 each. Not a Closing Disclosure.