Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$40,743Cash toward the purchase price.
Closing costs + prepaids$14,530Not just lender fees.
Before credits & paid funds$55,273The complete starting cash picture.
Estimated remaining funds due at closing
$55,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,742.71
Your down payment$40,742.71
Closing costs + prepaids$14,530.44
Total buyer cash needed$55,273.15
Remaining funds due$55,273.15
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
Initial HOA (3 months)$1,431.00
Prepaid interest, first (27 days)$1,875.69
Fees + prepaids$14,530.44
Your down payment is the seller’s equity. You take over the $359,157 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $55,273.15 is due at closing. Uses and sources reconcile at $414,430.44 each. Not a Closing Disclosure.