Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$34,560Cash toward the purchase price.
Closing costs + prepaids$11,923Not just lender fees.
Before credits & paid funds$46,483The complete starting cash picture.
Estimated remaining funds due at closing
$46,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,559.85
Your down payment$34,559.85
Closing costs + prepaids$11,922.92
Total buyer cash needed$46,482.77
Remaining funds due$46,482.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$299.25
Prepaid interest, first (22 days)$1,398.68
Fees + prepaids$11,922.92
Your down payment is the seller’s equity. You take over the $365,439 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $46,482.77 is due at closing. Uses and sources reconcile at $411,921.92 each. Not a Closing Disclosure.