Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$40,673Cash toward the purchase price.
Closing costs + prepaids$14,308Not just lender fees.
Before credits & paid funds$54,980The complete starting cash picture.
Estimated remaining funds due at closing
$54,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,672.63
Your down payment$40,672.63
Closing costs + prepaids$14,307.60
Total buyer cash needed$54,980.23
Remaining funds due$54,980.23
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)$2,145.25
Initial HOA (3 months)$174.99
Prepaid interest, first (23 days)$1,763.36
Fees + prepaids$14,307.60
Your down payment is the seller’s equity. You take over the $359,227 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $54,980.23 is due at closing. Uses and sources reconcile at $414,207.60 each. Not a Closing Disclosure.