Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,695Cash toward the purchase price.
Closing costs + prepaids$12,814Not just lender fees.
Before credits & paid funds$65,509The complete starting cash picture.
Estimated remaining funds due at closing
$65,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,695.07
Your down payment$52,695.07
Closing costs + prepaids$12,814.42
Total buyer cash needed$65,509.49
Remaining funds due$65,509.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$1,000.00
Prepaid interest, first (24 days)$1,589.42
Fees + prepaids$12,814.42
Your down payment is the seller’s equity. You take over the $347,305 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $65,509.49 is due at closing. Uses and sources reconcile at $412,814.42 each. Not a Closing Disclosure.