Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$75,091Cash toward the purchase price.
Closing costs + prepaids$12,383Not just lender fees.
Before credits & paid funds$87,474The complete starting cash picture.
Estimated remaining funds due at closing
$87,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,091.49
Your down payment$75,091.49
Closing costs + prepaids$12,382.79
Total buyer cash needed$87,474.28
Remaining funds due$87,474.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$614.25
Prepaid interest, first (30 days)$1,543.54
Fees + prepaids$12,382.79
Your down payment is the seller’s equity. You take over the $324,909 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $87,474.28 is due at closing. Uses and sources reconcile at $412,382.79 each. Not a Closing Disclosure.