Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$74,175Cash toward the purchase price.
Closing costs + prepaids$12,135Not just lender fees.
Before credits & paid funds$86,310The complete starting cash picture.
Estimated remaining funds due at closing
$86,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,174.85
Your down payment$74,174.85
Closing costs + prepaids$12,135.12
Total buyer cash needed$86,309.97
Remaining funds due$86,309.97
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)$412.25
Prepaid interest, first (26 days)$1,498.87
Fees + prepaids$12,135.12
Your down payment is the seller’s equity. You take over the $325,725 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $86,309.97 is due at closing. Uses and sources reconcile at $412,035.12 each. Not a Closing Disclosure.