Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$304,182Cash toward the purchase price.
Closing costs + prepaids$11,508Not just lender fees.
Before credits & paid funds$315,690The complete starting cash picture.
Estimated remaining funds due at closing
$315,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,181.82
Your down payment$304,181.82
Closing costs + prepaids$11,507.81
Total buyer cash needed$315,689.62
Remaining funds due$315,689.62
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)$1,000.00
Prepaid interest, first (27 days)$282.81
Fees + prepaids$11,507.81
Your down payment is the seller’s equity. You take over the $95,818 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $315,689.62 is due at closing. Uses and sources reconcile at $411,507.81 each. Not a Closing Disclosure.