Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$64,754Cash toward the purchase price.
Closing costs + prepaids$12,286Not just lender fees.
Before credits & paid funds$77,040The complete starting cash picture.
Estimated remaining funds due at closing
$77,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,754.29
Your down payment$64,754.29
Closing costs + prepaids$12,285.81
Total buyer cash needed$77,040.10
Remaining funds due$77,040.10
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)$127.50
Prepaid interest, first (31 days)$1,933.31
Fees + prepaids$12,285.81
Your down payment is the seller’s equity. You take over the $335,246 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $77,040.10 is due at closing. Uses and sources reconcile at $412,285.81 each. Not a Closing Disclosure.