Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$49,621Cash toward the purchase price.
Closing costs + prepaids$12,156Not just lender fees.
Before credits & paid funds$61,777The complete starting cash picture.
Estimated remaining funds due at closing
$61,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,620.94
Your down payment$49,620.94
Closing costs + prepaids$12,156.38
Total buyer cash needed$61,777.33
Remaining funds due$61,777.33
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)$495.50
Prepaid interest, first (27 days)$1,435.88
Fees + prepaids$12,156.38
Your down payment is the seller’s equity. You take over the $350,379 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $61,777.33 is due at closing. Uses and sources reconcile at $412,156.38 each. Not a Closing Disclosure.