Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$40,482Cash toward the purchase price.
Closing costs + prepaids$10,595Not just lender fees.
Before credits & paid funds$51,077The complete starting cash picture.
Estimated remaining funds due at closing
$51,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,482.11
Your down payment$40,482.11
Closing costs + prepaids$10,595.26
Total buyer cash needed$51,077.37
Remaining funds due$51,077.37
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)$245.50
Prepaid interest, first (2 days)$134.76
Fees + prepaids$10,595.26
Your down payment is the seller’s equity. You take over the $358,518 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $51,077.37 is due at closing. Uses and sources reconcile at $409,595.26 each. Not a Closing Disclosure.