Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$68,254Cash toward the purchase price.
Closing costs + prepaids$13,164Not just lender fees.
Before credits & paid funds$81,419The complete starting cash picture.
Estimated remaining funds due at closing
$81,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,254.27
Your down payment$68,254.27
Closing costs + prepaids$13,164.47
Total buyer cash needed$81,418.73
Remaining funds due$81,418.73
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)$668.75
Initial HOA (3 months)$501.00
Prepaid interest, first (28 days)$1,770.72
Fees + prepaids$13,164.47
Your down payment is the seller’s equity. You take over the $331,646 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $81,418.73 is due at closing. Uses and sources reconcile at $413,064.47 each. Not a Closing Disclosure.