Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$8,855Cash toward the purchase price.
Closing costs + prepaids$12,145Not just lender fees.
Before credits & paid funds$21,000The complete starting cash picture.
Estimated remaining funds due at closing
$21,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,854.59
Your down payment$8,854.59
Closing costs + prepaids$12,145.03
Total buyer cash needed$20,999.62
Remaining funds due$20,999.62
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)$532.00
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$1,179.03
Fees + prepaids$12,145.03
Your down payment is the seller’s equity. You take over the $391,045 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $20,999.62 is due at closing. Uses and sources reconcile at $412,045.03 each. Not a Closing Disclosure.