Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$104,309Cash toward the purchase price.
Closing costs + prepaids$12,202Not just lender fees.
Before credits & paid funds$116,511The complete starting cash picture.
Estimated remaining funds due at closing
$116,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,309.30
Your down payment$104,309.30
Closing costs + prepaids$12,201.94
Total buyer cash needed$116,511.24
Remaining funds due$116,511.24
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)$384.75
Prepaid interest, first (31 days)$1,592.19
Fees + prepaids$12,201.94
Your down payment is the seller’s equity. You take over the $295,691 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $116,511.24 is due at closing. Uses and sources reconcile at $412,201.94 each. Not a Closing Disclosure.