Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,399Cash toward the purchase price.
Closing costs + prepaids$11,213Not just lender fees.
Before credits & paid funds$51,612The complete starting cash picture.
Estimated remaining funds due at closing
$51,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,398.54
Your down payment$40,398.54
Closing costs + prepaids$11,213.28
Total buyer cash needed$51,611.82
Remaining funds due$51,611.82
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)$649.50
Initial HOA (3 months)$273.00
Prepaid interest, first (1 days)$66.78
Fees + prepaids$11,213.28
Your down payment is the seller’s equity. You take over the $359,501 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $51,611.82 is due at closing. Uses and sources reconcile at $411,113.28 each. Not a Closing Disclosure.