Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$75,054Cash toward the purchase price.
Closing costs + prepaids$12,991Not just lender fees.
Before credits & paid funds$88,045The complete starting cash picture.
Estimated remaining funds due at closing
$88,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,053.64
Your down payment$75,053.64
Closing costs + prepaids$12,991.48
Total buyer cash needed$88,045.12
Remaining funds due$88,045.12
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)$798.00
Initial HOA (3 months)$234.00
Prepaid interest, first (30 days)$1,735.48
Fees + prepaids$12,991.48
Your down payment is the seller’s equity. You take over the $324,846 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $88,045.12 is due at closing. Uses and sources reconcile at $412,891.48 each. Not a Closing Disclosure.