Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$10,075Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$22,879The complete starting cash picture.
Estimated remaining funds due at closing
$22,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,074.63
Your down payment$10,074.63
Closing costs + prepaids$12,803.89
Total buyer cash needed$22,878.52
Remaining funds due$22,878.52
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)$531.00
Prepaid interest, first (31 days)$2,057.89
Fees + prepaids$12,803.89
Your down payment is the seller’s equity. You take over the $388,925 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $22,878.52 is due at closing. Uses and sources reconcile at $411,803.89 each. Not a Closing Disclosure.