Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,973Cash toward the purchase price.
Closing costs + prepaids$12,345Not just lender fees.
Before credits & paid funds$48,318The complete starting cash picture.
Estimated remaining funds due at closing
$48,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,972.60
Your down payment$35,972.60
Closing costs + prepaids$12,344.97
Total buyer cash needed$48,317.56
Remaining funds due$48,317.56
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)$396.25
Initial HOA (3 months)$201.00
Prepaid interest, first (22 days)$1,522.73
Fees + prepaids$12,344.97
Your down payment is the seller’s equity. You take over the $364,026 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $48,317.56 is due at closing. Uses and sources reconcile at $412,343.97 each. Not a Closing Disclosure.