Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$34,749Cash toward the purchase price.
Closing costs + prepaids$11,889Not just lender fees.
Before credits & paid funds$46,638The complete starting cash picture.
Estimated remaining funds due at closing
$46,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,748.86
Your down payment$34,748.86
Closing costs + prepaids$11,888.73
Total buyer cash needed$46,637.59
Remaining funds due$46,637.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$291.00
Prepaid interest, first (19 days)$1,372.74
Fees + prepaids$11,888.73
Your down payment is the seller’s equity. You take over the $365,250 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $46,637.59 is due at closing. Uses and sources reconcile at $411,887.73 each. Not a Closing Disclosure.