Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$357,679Cash toward the purchase price.
Closing costs + prepaids$11,129Not just lender fees.
Before credits & paid funds$368,808The complete starting cash picture.
Estimated remaining funds due at closing
$368,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,678.99
Your down payment$357,678.99
Closing costs + prepaids$11,129.43
Total buyer cash needed$368,808.43
Remaining funds due$368,808.43
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)$714.75
Initial HOA (3 months)$37.50
Prepaid interest, first (25 days)$152.18
Fees + prepaids$11,129.43
Your down payment is the seller’s equity. You take over the $42,321 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $368,808.43 is due at closing. Uses and sources reconcile at $411,129.43 each. Not a Closing Disclosure.