Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,067Cash toward the purchase price.
Closing costs + prepaids$12,967Not just lender fees.
Before credits & paid funds$35,033The complete starting cash picture.
Estimated remaining funds due at closing
$35,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,066.61
Your down payment$22,066.61
Closing costs + prepaids$12,966.80
Total buyer cash needed$35,033.40
Remaining funds due$35,033.40
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)$307.25
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$2,134.55
Fees + prepaids$12,966.80
Your down payment is the seller’s equity. You take over the $377,933 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $35,033.40 is due at closing. Uses and sources reconcile at $412,966.80 each. Not a Closing Disclosure.