Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$47,302Cash toward the purchase price.
Closing costs + prepaids$12,250Not just lender fees.
Before credits & paid funds$59,552The complete starting cash picture.
Estimated remaining funds due at closing
$59,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,301.86
Your down payment$47,301.86
Closing costs + prepaids$12,250.43
Total buyer cash needed$59,552.29
Remaining funds due$59,552.29
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)$461.75
Initial HOA (3 months)$60.00
Prepaid interest, first (24 days)$1,504.68
Fees + prepaids$12,250.43
Your down payment is the seller’s equity. You take over the $352,598 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $59,552.29 is due at closing. Uses and sources reconcile at $412,150.43 each. Not a Closing Disclosure.