Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$64,754Cash toward the purchase price.
Closing costs + prepaids$11,329Not just lender fees.
Before credits & paid funds$76,083The complete starting cash picture.
Estimated remaining funds due at closing
$76,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,754.29
Your down payment$64,754.29
Closing costs + prepaids$11,328.65
Total buyer cash needed$76,082.94
Remaining funds due$76,082.94
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)$480.00
Prepaid interest, first (10 days)$623.65
Fees + prepaids$11,328.65
Your down payment is the seller’s equity. You take over the $335,246 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $76,082.94 is due at closing. Uses and sources reconcile at $411,328.65 each. Not a Closing Disclosure.