Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$59,237Cash toward the purchase price.
Closing costs + prepaids$12,139Not just lender fees.
Before credits & paid funds$71,376The complete starting cash picture.
Estimated remaining funds due at closing
$71,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,236.56
Your down payment$59,236.56
Closing costs + prepaids$12,139.11
Total buyer cash needed$71,375.67
Remaining funds due$71,375.67
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)$197.50
Prepaid interest, first (27 days)$1,716.61
Fees + prepaids$12,139.11
Your down payment is the seller’s equity. You take over the $340,763 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $71,375.67 is due at closing. Uses and sources reconcile at $412,139.11 each. Not a Closing Disclosure.