Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,365Cash toward the purchase price.
Closing costs + prepaids$12,016Not just lender fees.
Before credits & paid funds$53,381The complete starting cash picture.
Estimated remaining funds due at closing
$53,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,365.42
Your down payment$41,365.42
Closing costs + prepaids$12,015.69
Total buyer cash needed$53,381.11
Remaining funds due$53,381.11
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)$204.25
Prepaid interest, first (26 days)$1,586.44
Fees + prepaids$12,015.69
Your down payment is the seller’s equity. You take over the $358,635 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $53,381.11 is due at closing. Uses and sources reconcile at $412,015.69 each. Not a Closing Disclosure.