Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,227Cash toward the purchase price.
Closing costs + prepaids$12,017Not just lender fees.
Before credits & paid funds$41,244The complete starting cash picture.
Estimated remaining funds due at closing
$41,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,226.86
Your down payment$29,226.86
Closing costs + prepaids$12,016.74
Total buyer cash needed$41,243.61
Remaining funds due$41,243.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$520.50
Initial HOA (3 months)$240.00
Prepaid interest, first (27 days)$1,031.25
Fees + prepaids$12,016.74
Your down payment is the seller’s equity. You take over the $370,772 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $41,243.61 is due at closing. Uses and sources reconcile at $412,015.74 each. Not a Closing Disclosure.