Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$372,705Cash toward the purchase price.
Closing costs + prepaids$11,021Not just lender fees.
Before credits & paid funds$383,727The complete starting cash picture.
Estimated remaining funds due at closing
$383,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$372,705.45
Your down payment$372,705.45
Closing costs + prepaids$11,021.26
Total buyer cash needed$383,726.71
Remaining funds due$383,726.71
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)$398.75
Initial HOA (3 months)$273.00
Prepaid interest, first (30 days)$124.51
Fees + prepaids$11,021.26
Your down payment is the seller’s equity. You take over the $27,295 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $383,726.71 is due at closing. Uses and sources reconcile at $411,021.26 each. Not a Closing Disclosure.