Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,505Cash toward the purchase price.
Closing costs + prepaids$13,395Not just lender fees.
Before credits & paid funds$54,900The complete starting cash picture.
Estimated remaining funds due at closing
$54,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,504.68
Your down payment$41,504.68
Closing costs + prepaids$13,394.91
Total buyer cash needed$54,899.58
Remaining funds due$54,899.58
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)$915.75
Initial HOA (3 months)$156.99
Prepaid interest, first (31 days)$2,107.17
Fees + prepaids$13,394.91
Your down payment is the seller’s equity. You take over the $357,495 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $54,899.58 is due at closing. Uses and sources reconcile at $412,394.91 each. Not a Closing Disclosure.