Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$58,237Cash toward the purchase price.
Closing costs + prepaids$13,272Not just lender fees.
Before credits & paid funds$71,509The complete starting cash picture.
Estimated remaining funds due at closing
$71,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,236.61
Your down payment$58,236.61
Closing costs + prepaids$13,272.11
Total buyer cash needed$71,508.72
Remaining funds due$71,508.72
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)$1,797.25
Prepaid interest, first (23 days)$1,250.86
Fees + prepaids$13,272.11
Your down payment is the seller’s equity. You take over the $341,663 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $71,508.72 is due at closing. Uses and sources reconcile at $413,172.11 each. Not a Closing Disclosure.