Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$18,201Cash toward the purchase price.
Closing costs + prepaids$10,660Not just lender fees.
Before credits & paid funds$28,861The complete starting cash picture.
Estimated remaining funds due at closing
$28,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,200.69
Your down payment$18,200.69
Closing costs + prepaids$10,660.33
Total buyer cash needed$28,861.03
Remaining funds due$28,861.03
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)$293.50
Prepaid interest, first (2 days)$141.84
Fees + prepaids$10,660.33
Your down payment is the seller’s equity. You take over the $381,798 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $28,861.03 is due at closing. Uses and sources reconcile at $410,659.33 each. Not a Closing Disclosure.