Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$43,863Cash toward the purchase price.
Closing costs + prepaids$13,119Not just lender fees.
Before credits & paid funds$56,982The complete starting cash picture.
Estimated remaining funds due at closing
$56,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,862.65
Your down payment$43,862.65
Closing costs + prepaids$13,119.36
Total buyer cash needed$56,982.01
Remaining funds due$56,982.01
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)$625.75
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$1,968.61
Fees + prepaids$13,119.36
Your down payment is the seller’s equity. You take over the $356,137 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $56,982.01 is due at closing. Uses and sources reconcile at $413,119.36 each. Not a Closing Disclosure.