Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$69,845Cash toward the purchase price.
Closing costs + prepaids$13,077Not just lender fees.
Before credits & paid funds$82,922The complete starting cash picture.
Estimated remaining funds due at closing
$82,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,845.42
Your down payment$69,845.42
Closing costs + prepaids$13,076.51
Total buyer cash needed$82,921.93
Remaining funds due$82,921.93
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)$1,139.75
Prepaid interest, first (31 days)$1,712.76
Fees + prepaids$13,076.51
Your down payment is the seller’s equity. You take over the $330,055 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $82,921.93 is due at closing. Uses and sources reconcile at $412,976.51 each. Not a Closing Disclosure.