Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,472Cash toward the purchase price.
Closing costs + prepaids$12,312Not just lender fees.
Before credits & paid funds$52,784The complete starting cash picture.
Estimated remaining funds due at closing
$52,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,472.07
Your down payment$40,472.07
Closing costs + prepaids$12,312.11
Total buyer cash needed$52,784.18
Remaining funds due$52,784.18
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)$321.50
Prepaid interest, first (30 days)$1,766.61
Fees + prepaids$12,312.11
Your down payment is the seller’s equity. You take over the $359,428 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $52,784.18 is due at closing. Uses and sources reconcile at $412,212.11 each. Not a Closing Disclosure.