Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$34,887Cash toward the purchase price.
Closing costs + prepaids$11,801Not just lender fees.
Before credits & paid funds$46,688The complete starting cash picture.
Estimated remaining funds due at closing
$46,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,886.72
Your down payment$34,886.72
Closing costs + prepaids$11,801.32
Total buyer cash needed$46,688.03
Remaining funds due$46,688.03
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)$500.00
Initial HOA (3 months)$60.00
Prepaid interest, first (16 days)$1,016.32
Fees + prepaids$11,801.32
Your down payment is the seller’s equity. You take over the $365,113 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $46,688.03 is due at closing. Uses and sources reconcile at $411,801.32 each. Not a Closing Disclosure.