Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$65,434Cash toward the purchase price.
Closing costs + prepaids$12,278Not just lender fees.
Before credits & paid funds$77,712The complete starting cash picture.
Estimated remaining funds due at closing
$77,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,433.79
Your down payment$65,433.79
Closing costs + prepaids$12,278.22
Total buyer cash needed$77,712.02
Remaining funds due$77,712.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$1,414.00
Prepaid interest, first (24 days)$649.22
Fees + prepaids$12,278.22
Your down payment is the seller’s equity. You take over the $333,566 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $77,712.02 is due at closing. Uses and sources reconcile at $411,278.22 each. Not a Closing Disclosure.