Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$65,651Cash toward the purchase price.
Closing costs + prepaids$11,518Not just lender fees.
Before credits & paid funds$77,169The complete starting cash picture.
Estimated remaining funds due at closing
$77,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,650.90
Your down payment$65,650.90
Closing costs + prepaids$11,518.48
Total buyer cash needed$77,169.38
Remaining funds due$77,169.38
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)$1,019.75
Prepaid interest, first (5 days)$274.73
Fees + prepaids$11,518.48
Your down payment is the seller’s equity. You take over the $334,249 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $77,169.38 is due at closing. Uses and sources reconcile at $411,418.48 each. Not a Closing Disclosure.