Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,067Cash toward the purchase price.
Closing costs + prepaids$12,691Not just lender fees.
Before credits & paid funds$34,758The complete starting cash picture.
Estimated remaining funds due at closing
$34,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,066.61
Your down payment$22,066.61
Closing costs + prepaids$12,691.37
Total buyer cash needed$34,757.98
Remaining funds due$34,757.98
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)$307.25
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$1,859.12
Fees + prepaids$12,691.37
Your down payment is the seller’s equity. You take over the $377,933 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $34,757.98 is due at closing. Uses and sources reconcile at $412,691.37 each. Not a Closing Disclosure.