Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$56,797Cash toward the purchase price.
Closing costs + prepaids$10,860Not just lender fees.
Before credits & paid funds$67,657The complete starting cash picture.
Estimated remaining funds due at closing
$67,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,796.94
Your down payment$56,796.94
Closing costs + prepaids$10,860.15
Total buyer cash needed$67,657.08
Remaining funds due$67,657.08
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)$480.00
Prepaid interest, first (6 days)$155.15
Fees + prepaids$10,860.15
Your down payment is the seller’s equity. You take over the $343,203 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $67,657.08 is due at closing. Uses and sources reconcile at $410,860.15 each. Not a Closing Disclosure.