Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$10,802Cash toward the purchase price.
Closing costs + prepaids$13,951Not just lender fees.
Before credits & paid funds$24,753The complete starting cash picture.
Estimated remaining funds due at closing
$24,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,802.45
Your down payment$10,802.45
Closing costs + prepaids$13,950.71
Total buyer cash needed$24,753.17
Remaining funds due$24,753.17
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)$1,487.25
Prepaid interest, first (29 days)$2,248.46
Fees + prepaids$13,950.71
Your down payment is the seller’s equity. You take over the $388,198 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $24,753.17 is due at closing. Uses and sources reconcile at $412,950.71 each. Not a Closing Disclosure.