Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$54,972Cash toward the purchase price.
Closing costs + prepaids$15,684Not just lender fees.
Before credits & paid funds$70,655The complete starting cash picture.
Estimated remaining funds due at closing
$70,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,971.71
Your down payment$54,971.71
Closing costs + prepaids$15,683.71
Total buyer cash needed$70,655.42
Remaining funds due$70,655.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$2,229.25
Initial HOA (3 months)$1,686.00
Prepaid interest, first (26 days)$1,543.46
Fees + prepaids$15,683.71
Your down payment is the seller’s equity. You take over the $345,028 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $70,655.42 is due at closing. Uses and sources reconcile at $415,683.71 each. Not a Closing Disclosure.