Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$40,106Cash toward the purchase price.
Closing costs + prepaids$14,229Not just lender fees.
Before credits & paid funds$54,335The complete starting cash picture.
Estimated remaining funds due at closing
$54,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,106.10
Your down payment$40,106.10
Closing costs + prepaids$14,228.73
Total buyer cash needed$54,334.83
Remaining funds due$54,334.83
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)$2,150.50
Initial HOA (3 months)$52.50
Prepaid interest, first (26 days)$1,801.73
Fees + prepaids$14,228.73
Your down payment is the seller’s equity. You take over the $359,794 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $54,334.83 is due at closing. Uses and sources reconcile at $414,128.73 each. Not a Closing Disclosure.