Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$69,009Cash toward the purchase price.
Closing costs + prepaids$12,360Not just lender fees.
Before credits & paid funds$81,370The complete starting cash picture.
Estimated remaining funds due at closing
$81,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,009.30
Your down payment$69,009.30
Closing costs + prepaids$12,360.22
Total buyer cash needed$81,369.51
Remaining funds due$81,369.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,995.00
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)$219.75
Prepaid interest, first (30 days)$1,920.47
Fees + prepaids$12,360.22
Your down payment is the seller’s equity. You take over the $330,491 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $81,369.51 is due at closing. Uses and sources reconcile at $411,860.22 each. Not a Closing Disclosure.