Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,933Cash toward the purchase price.
Closing costs + prepaids$13,294Not just lender fees.
Before credits & paid funds$77,228The complete starting cash picture.
Estimated remaining funds due at closing
$77,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,933.30
Your down payment$63,933.30
Closing costs + prepaids$13,294.47
Total buyer cash needed$77,227.78
Remaining funds due$77,227.78
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)$1,383.00
Prepaid interest, first (27 days)$1,687.47
Fees + prepaids$13,294.47
Your down payment is the seller’s equity. You take over the $335,967 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $77,227.78 is due at closing. Uses and sources reconcile at $413,194.47 each. Not a Closing Disclosure.