Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$65,308Cash toward the purchase price.
Closing costs + prepaids$11,507Not just lender fees.
Before credits & paid funds$76,815The complete starting cash picture.
Estimated remaining funds due at closing
$76,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,307.68
Your down payment$65,307.68
Closing costs + prepaids$11,507.25
Total buyer cash needed$76,814.93
Remaining funds due$76,814.93
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)$1,173.25
Prepaid interest, first (2 days)$110.00
Fees + prepaids$11,507.25
Your down payment is the seller’s equity. You take over the $334,592 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $76,814.93 is due at closing. Uses and sources reconcile at $411,407.25 each. Not a Closing Disclosure.