Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,552Cash toward the purchase price.
Closing costs + prepaids$12,892Not just lender fees.
Before credits & paid funds$34,445The complete starting cash picture.
Estimated remaining funds due at closing
$34,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,552.18
Your down payment$21,552.18
Closing costs + prepaids$12,892.37
Total buyer cash needed$34,444.55
Remaining funds due$34,444.55
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)$48.50
Initial HOA (3 months)$438.00
Prepaid interest, first (31 days)$2,181.87
Fees + prepaids$12,892.37
Your down payment is the seller’s equity. You take over the $378,348 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $34,444.55 is due at closing. Uses and sources reconcile at $412,792.37 each. Not a Closing Disclosure.