Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$116,009Cash toward the purchase price.
Closing costs + prepaids$12,089Not just lender fees.
Before credits & paid funds$128,098The complete starting cash picture.
Estimated remaining funds due at closing
$128,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,008.69
Your down payment$116,008.69
Closing costs + prepaids$12,088.90
Total buyer cash needed$128,097.59
Remaining funds due$128,097.59
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)$872.50
Prepaid interest, first (23 days)$991.40
Fees + prepaids$12,088.90
Your down payment is the seller’s equity. You take over the $283,991 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $128,097.59 is due at closing. Uses and sources reconcile at $412,088.90 each. Not a Closing Disclosure.