Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$24,545Cash toward the purchase price.
Closing costs + prepaids$12,511Not just lender fees.
Before credits & paid funds$37,056The complete starting cash picture.
Estimated remaining funds due at closing
$37,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,545.37
Your down payment$24,545.37
Closing costs + prepaids$12,510.90
Total buyer cash needed$37,056.27
Remaining funds due$37,056.27
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)$645.00
Prepaid interest, first (16 days)$1,141.90
Fees + prepaids$12,510.90
Your down payment is the seller’s equity. You take over the $375,355 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $37,056.27 is due at closing. Uses and sources reconcile at $412,410.90 each. Not a Closing Disclosure.