Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,902Cash toward the purchase price.
Closing costs + prepaids$13,154Not just lender fees.
Before credits & paid funds$41,056The complete starting cash picture.
Estimated remaining funds due at closing
$41,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,901.80
Your down payment$27,901.80
Closing costs + prepaids$13,154.17
Total buyer cash needed$41,055.96
Remaining funds due$41,055.96
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)$999.75
Prepaid interest, first (31 days)$1,930.42
Fees + prepaids$13,154.17
Your down payment is the seller’s equity. You take over the $371,998 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $41,055.96 is due at closing. Uses and sources reconcile at $413,054.17 each. Not a Closing Disclosure.