Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$56,961Cash toward the purchase price.
Closing costs + prepaids$10,950Not just lender fees.
Before credits & paid funds$67,911The complete starting cash picture.
Estimated remaining funds due at closing
$67,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,960.89
Your down payment$56,960.89
Closing costs + prepaids$10,950.45
Total buyer cash needed$67,911.34
Remaining funds due$67,911.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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
Initial HOA (3 months)$16.26
Prepaid interest, first (7 days)$230.19
Fees + prepaids$10,950.45
Your down payment is the seller’s equity. You take over the $342,939 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $67,911.34 is due at closing. Uses and sources reconcile at $410,850.45 each. Not a Closing Disclosure.