Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$27,334Cash toward the purchase price.
Closing costs + prepaids$12,403Not just lender fees.
Before credits & paid funds$39,737The complete starting cash picture.
Estimated remaining funds due at closing
$39,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,333.85
Your down payment$27,333.85
Closing costs + prepaids$12,402.65
Total buyer cash needed$39,736.50
Remaining funds due$39,736.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$321.50
Initial HOA (3 months)$291.00
Prepaid interest, first (31 days)$1,575.15
Fees + prepaids$12,402.65
Your down payment is the seller’s equity. You take over the $371,666 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $39,736.50 is due at closing. Uses and sources reconcile at $411,402.65 each. Not a Closing Disclosure.