Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,679Cash toward the purchase price.
Closing costs + prepaids$12,686Not just lender fees.
Before credits & paid funds$47,365The complete starting cash picture.
Estimated remaining funds due at closing
$47,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,678.81
Your down payment$34,678.81
Closing costs + prepaids$12,685.92
Total buyer cash needed$47,364.73
Remaining funds due$47,364.73
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)$362.25
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$1,903.67
Fees + prepaids$12,685.92
Your down payment is the seller’s equity. You take over the $365,321 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $47,364.73 is due at closing. Uses and sources reconcile at $412,685.92 each. Not a Closing Disclosure.