Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$104,463Cash toward the purchase price.
Closing costs + prepaids$12,347Not just lender fees.
Before credits & paid funds$116,809The complete starting cash picture.
Estimated remaining funds due at closing
$116,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,462.50
Your down payment$104,462.50
Closing costs + prepaids$12,346.82
Total buyer cash needed$116,809.32
Remaining funds due$116,809.32
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)$999.75
Prepaid interest, first (25 days)$1,123.07
Fees + prepaids$12,346.82
Your down payment is the seller’s equity. You take over the $295,437 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $116,809.32 is due at closing. Uses and sources reconcile at $412,246.82 each. Not a Closing Disclosure.