Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$39,620Cash toward the purchase price.
Closing costs + prepaids$12,203Not just lender fees.
Before credits & paid funds$51,823The complete starting cash picture.
Estimated remaining funds due at closing
$51,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,619.53
Your down payment$39,619.53
Closing costs + prepaids$12,203.34
Total buyer cash needed$51,822.87
Remaining funds due$51,822.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,050.00
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)$884.75
Prepaid interest, first (25 days)$1,043.59
Fees + prepaids$12,203.34
Your down payment is the seller’s equity. You take over the $365,380 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $51,822.87 is due at closing. Uses and sources reconcile at $417,203.34 each. Not a Closing Disclosure.