Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$40,816Cash toward the purchase price.
Closing costs + prepaids$12,009Not just lender fees.
Before credits & paid funds$52,824The complete starting cash picture.
Estimated remaining funds due at closing
$52,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,815.55
Your down payment$40,815.55
Closing costs + prepaids$12,008.84
Total buyer cash needed$52,824.39
Remaining funds due$52,824.39
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)$245.50
Prepaid interest, first (23 days)$1,548.34
Fees + prepaids$12,008.84
Your down payment is the seller’s equity. You take over the $358,184 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $52,824.39 is due at closing. Uses and sources reconcile at $411,008.84 each. Not a Closing Disclosure.