Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$42,047Cash toward the purchase price.
Closing costs + prepaids$12,625Not just lender fees.
Before credits & paid funds$54,672The complete starting cash picture.
Estimated remaining funds due at closing
$54,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,047.48
Your down payment$42,047.48
Closing costs + prepaids$12,624.67
Total buyer cash needed$54,672.15
Remaining funds due$54,672.15
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)$794.50
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$1,465.17
Fees + prepaids$12,624.67
Your down payment is the seller’s equity. You take over the $356,953 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $54,672.15 is due at closing. Uses and sources reconcile at $411,624.67 each. Not a Closing Disclosure.