Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$29,162Cash toward the purchase price.
Closing costs + prepaids$13,044Not just lender fees.
Before credits & paid funds$42,206The complete starting cash picture.
Estimated remaining funds due at closing
$42,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,161.94
Your down payment$29,161.94
Closing costs + prepaids$13,044.22
Total buyer cash needed$42,206.16
Remaining funds due$42,206.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$1,155.25
Prepaid interest, first (24 days)$1,664.97
Fees + prepaids$13,044.22
Your down payment is the seller’s equity. You take over the $370,738 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $42,206.16 is due at closing. Uses and sources reconcile at $412,944.22 each. Not a Closing Disclosure.