Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$45,566Cash toward the purchase price.
Closing costs + prepaids$12,011Not just lender fees.
Before credits & paid funds$57,576The complete starting cash picture.
Estimated remaining funds due at closing
$57,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,565.72
Your down payment$45,565.72
Closing costs + prepaids$12,010.67
Total buyer cash needed$57,576.39
Remaining funds due$57,576.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,939.99
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)$985.00
Prepaid interest, first (28 days)$860.68
Fees + prepaids$12,010.67
Your down payment is the seller’s equity. You take over the $348,433 balance, so the rest of the $393,999 price is paid at closing. A second mortgage can cover part of it. $57,576.39 is due at closing. Uses and sources reconcile at $406,009.67 each. Not a Closing Disclosure.