Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$43,576Cash toward the purchase price.
Closing costs + prepaids$12,310Not just lender fees.
Before credits & paid funds$55,886The complete starting cash picture.
Estimated remaining funds due at closing
$55,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,575.64
Your down payment$43,575.64
Closing costs + prepaids$12,310.35
Total buyer cash needed$55,886.00
Remaining funds due$55,886.00
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)$423.00
Prepaid interest, first (25 days)$1,662.45
Fees + prepaids$12,310.35
Your down payment is the seller’s equity. You take over the $356,414 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $55,886.00 is due at closing. Uses and sources reconcile at $412,300.35 each. Not a Closing Disclosure.