Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,801Cash toward the purchase price.
Closing costs + prepaids$12,945Not just lender fees.
Before credits & paid funds$59,745The complete starting cash picture.
Estimated remaining funds due at closing
$59,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,800.62
Your down payment$46,800.62
Closing costs + prepaids$12,944.63
Total buyer cash needed$59,745.25
Remaining funds due$59,745.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$523.00
Initial HOA (3 months)$330.00
Prepaid interest, first (30 days)$1,866.63
Fees + prepaids$12,944.63
Your down payment is the seller’s equity. You take over the $353,199 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $59,745.25 is due at closing. Uses and sources reconcile at $412,944.63 each. Not a Closing Disclosure.