Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$52,286Cash toward the purchase price.
Closing costs + prepaids$12,759Not just lender fees.
Before credits & paid funds$65,045The complete starting cash picture.
Estimated remaining funds due at closing
$65,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,286.40
Your down payment$52,286.40
Closing costs + prepaids$12,758.56
Total buyer cash needed$65,044.96
Remaining funds due$65,044.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$1,212.75
Prepaid interest, first (30 days)$1,330.81
Fees + prepaids$12,758.56
Your down payment is the seller’s equity. You take over the $346,714 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $65,044.96 is due at closing. Uses and sources reconcile at $411,758.56 each. Not a Closing Disclosure.