Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$400,930Cash toward the purchase price.
Closing costs + prepaids$11,341Not just lender fees.
Before credits & paid funds$412,271The complete starting cash picture.
Estimated remaining funds due at closing
$412,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,930.35
Your down payment$400,930.35
Closing costs + prepaids$11,340.83
Total buyer cash needed$412,271.18
Remaining funds due$412,271.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$439.75
Prepaid interest, first (31 days)$276.08
Fees + prepaids$11,340.83
Your down payment is the seller’s equity. You take over the $39,070 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $412,271.18 is due at closing. Uses and sources reconcile at $451,340.83 each. Not a Closing Disclosure.