Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$36,827Cash toward the purchase price.
Closing costs + prepaids$10,806Not just lender fees.
Before credits & paid funds$47,633The complete starting cash picture.
Estimated remaining funds due at closing
$47,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,827.16
Your down payment$36,827.16
Closing costs + prepaids$10,806.22
Total buyer cash needed$47,633.38
Remaining funds due$47,633.38
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)$10.75
Prepaid interest, first (18 days)$580.47
Fees + prepaids$10,806.22
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $47,633.38 is due at closing. Uses and sources reconcile at $409,806.22 each. Not a Closing Disclosure.