Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$61,964Cash toward the purchase price.
Closing costs + prepaids$12,180Not just lender fees.
Before credits & paid funds$74,144The complete starting cash picture.
Estimated remaining funds due at closing
$74,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,964.00
Your down payment$61,964.00
Closing costs + prepaids$12,180.43
Total buyer cash needed$74,144.42
Remaining funds due$74,144.42
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)$716.75
Initial HOA (3 months)$510.00
Prepaid interest, first (28 days)$728.68
Fees + prepaids$12,180.43
Your down payment is the seller’s equity. You take over the $338,036 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $74,144.42 is due at closing. Uses and sources reconcile at $412,180.43 each. Not a Closing Disclosure.