Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$55,409Cash toward the purchase price.
Closing costs + prepaids$13,831Not just lender fees.
Before credits & paid funds$69,240The complete starting cash picture.
Estimated remaining funds due at closing
$69,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,409.25
Your down payment$55,409.25
Closing costs + prepaids$13,831.06
Total buyer cash needed$69,240.31
Remaining funds due$69,240.31
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)$1,677.50
Initial HOA (3 months)$282.99
Prepaid interest, first (26 days)$1,646.57
Fees + prepaids$13,831.06
Your down payment is the seller’s equity. You take over the $344,491 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $69,240.31 is due at closing. Uses and sources reconcile at $413,731.06 each. Not a Closing Disclosure.