Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$40,766Cash toward the purchase price.
Closing costs + prepaids$12,814Not just lender fees.
Before credits & paid funds$53,580The complete starting cash picture.
Estimated remaining funds due at closing
$53,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,765.95
Your down payment$40,765.95
Closing costs + prepaids$12,814.26
Total buyer cash needed$53,580.21
Remaining funds due$53,580.21
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)$649.50
Initial HOA (3 months)$273.00
Prepaid interest, first (25 days)$1,667.76
Fees + prepaids$12,814.26
Your down payment is the seller’s equity. You take over the $359,134 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $53,580.21 is due at closing. Uses and sources reconcile at $412,714.26 each. Not a Closing Disclosure.