Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,107Cash toward the purchase price.
Closing costs + prepaids$11,479Not just lender fees.
Before credits & paid funds$46,586The complete starting cash picture.
Estimated remaining funds due at closing
$46,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,106.76
Your down payment$35,106.76
Closing costs + prepaids$11,479.45
Total buyer cash needed$46,586.21
Remaining funds due$46,586.21
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)$427.00
Prepaid interest, first (24 days)$837.45
Fees + prepaids$11,479.45
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $46,586.21 is due at closing. Uses and sources reconcile at $410,479.45 each. Not a Closing Disclosure.