Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,474Cash toward the purchase price.
Closing costs + prepaids$12,983Not just lender fees.
Before credits & paid funds$37,457The complete starting cash picture.
Estimated remaining funds due at closing
$37,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,474.11
Your down payment$24,474.11
Closing costs + prepaids$12,983.14
Total buyer cash needed$37,457.26
Remaining funds due$37,457.26
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)$1,148.00
Prepaid interest, first (22 days)$1,611.14
Fees + prepaids$12,983.14
Your down payment is the seller’s equity. You take over the $375,426 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $37,457.26 is due at closing. Uses and sources reconcile at $412,883.14 each. Not a Closing Disclosure.