Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$56,789Cash toward the purchase price.
Closing costs + prepaids$12,615Not just lender fees.
Before credits & paid funds$69,404The complete starting cash picture.
Estimated remaining funds due at closing
$69,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,789.45
Your down payment$56,789.45
Closing costs + prepaids$12,614.65
Total buyer cash needed$69,404.10
Remaining funds due$69,404.10
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)$575.00
Initial HOA (3 months)$1,113.00
Prepaid interest, first (26 days)$701.65
Fees + prepaids$12,614.65
Your down payment is the seller’s equity. You take over the $343,211 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $69,404.10 is due at closing. Uses and sources reconcile at $412,614.65 each. Not a Closing Disclosure.