Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$37,674Cash toward the purchase price.
Closing costs + prepaids$13,104Not just lender fees.
Before credits & paid funds$50,778The complete starting cash picture.
Estimated remaining funds due at closing
$50,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,673.88
Your down payment$37,673.88
Closing costs + prepaids$13,103.67
Total buyer cash needed$50,777.55
Remaining funds due$50,777.55
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)$1,487.00
Initial HOA (3 months)$23.76
Prepaid interest, first (26 days)$1,367.91
Fees + prepaids$13,103.67
Your down payment is the seller’s equity. You take over the $362,326 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $50,777.55 is due at closing. Uses and sources reconcile at $413,103.67 each. Not a Closing Disclosure.