Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,749Cash toward the purchase price.
Closing costs + prepaids$12,394Not just lender fees.
Before credits & paid funds$47,143The complete starting cash picture.
Estimated remaining funds due at closing
$47,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,748.86
Your down payment$34,748.86
Closing costs + prepaids$12,394.48
Total buyer cash needed$47,143.34
Remaining funds due$47,143.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.99
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)$291.00
Prepaid interest, first (26 days)$1,878.49
Fees + prepaids$12,394.48
Your down payment is the seller’s equity. You take over the $365,250 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $47,143.34 is due at closing. Uses and sources reconcile at $412,393.48 each. Not a Closing Disclosure.