Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,173Cash toward the purchase price.
Closing costs + prepaids$10,855Not just lender fees.
Before credits & paid funds$39,028The complete starting cash picture.
Estimated remaining funds due at closing
$39,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,172.91
Your down payment$28,172.91
Closing costs + prepaids$10,855.10
Total buyer cash needed$39,028.02
Remaining funds due$39,028.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,990.00
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)$570.00
Prepaid interest, first (1 days)$70.10
Fees + prepaids$10,855.10
Your down payment is the seller’s equity. You take over the $370,827 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $39,028.02 is due at closing. Uses and sources reconcile at $409,855.10 each. Not a Closing Disclosure.