Follow the dollars · Assumption only
A complete cash picture for Dec 29, 2026
Your down payment$62,279Cash toward the purchase price.
Closing costs + prepaids$11,344Not just lender fees.
Before credits & paid funds$73,622The complete starting cash picture.
Estimated remaining funds due at closing
$73,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,278.80
Your down payment$62,278.80
Closing costs + prepaids$11,343.54
Total buyer cash needed$73,622.34
Remaining funds due$73,622.34
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)$1,020.00
Prepaid interest, first (3 days)$98.54
Fees + prepaids$11,343.54
Your down payment is the seller’s equity. You take over the $337,721 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $73,622.34 is due at closing. Uses and sources reconcile at $411,343.54 each. Not a Closing Disclosure.