Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$63,421Cash toward the purchase price.
Closing costs + prepaids$13,454Not just lender fees.
Before credits & paid funds$76,875The complete starting cash picture.
Estimated remaining funds due at closing
$76,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,420.81
Your down payment$63,420.81
Closing costs + prepaids$13,454.15
Total buyer cash needed$76,874.96
Remaining funds due$76,874.96
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)$1,629.25
Prepaid interest, first (25 days)$1,599.90
Fees + prepaids$13,454.15
Your down payment is the seller’s equity. You take over the $336,579 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $76,874.96 is due at closing. Uses and sources reconcile at $413,454.15 each. Not a Closing Disclosure.