Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,017Cash toward the purchase price.
Closing costs + prepaids$10,615Not just lender fees.
Before credits & paid funds$60,632The complete starting cash picture.
Estimated remaining funds due at closing
$60,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,017.02
Your down payment$50,017.02
Closing costs + prepaids$10,614.81
Total buyer cash needed$60,631.83
Remaining funds due$60,631.83
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)$328.50
Prepaid interest, first (1 days)$62.31
Fees + prepaids$10,614.81
Your down payment is the seller’s equity. You take over the $349,883 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $60,631.83 is due at closing. Uses and sources reconcile at $410,514.81 each. Not a Closing Disclosure.