Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,808Cash toward the purchase price.
Closing costs + prepaids$12,397Not just lender fees.
Before credits & paid funds$34,205The complete starting cash picture.
Estimated remaining funds due at closing
$34,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,807.69
Your down payment$21,807.69
Closing costs + prepaids$12,396.95
Total buyer cash needed$34,204.64
Remaining funds due$34,204.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$340.00
Initial HOA (3 months)$123.00
Prepaid interest, first (28 days)$1,709.05
Fees + prepaids$12,396.95
Your down payment is the seller’s equity. You take over the $378,182 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $34,204.64 is due at closing. Uses and sources reconcile at $412,386.95 each. Not a Closing Disclosure.