Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$31,873Cash toward the purchase price.
Closing costs + prepaids$11,387Not just lender fees.
Before credits & paid funds$43,260The complete starting cash picture.
Estimated remaining funds due at closing
$43,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,872.84
Your down payment$31,872.84
Closing costs + prepaids$11,386.93
Total buyer cash needed$43,259.77
Remaining funds due$43,259.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$63.00
Prepaid interest, first (17 days)$599.93
Fees + prepaids$11,386.93
Your down payment is the seller’s equity. You take over the $368,027 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $43,259.77 is due at closing. Uses and sources reconcile at $411,286.93 each. Not a Closing Disclosure.