Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,541Cash toward the purchase price.
Closing costs + prepaids$11,302Not just lender fees.
Before credits & paid funds$54,844The complete starting cash picture.
Estimated remaining funds due at closing
$54,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,541.48
Your down payment$43,541.48
Closing costs + prepaids$11,302.32
Total buyer cash needed$54,843.80
Remaining funds due$54,843.80
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)$625.75
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$151.57
Fees + prepaids$11,302.32
Your down payment is the seller’s equity. You take over the $356,459 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $54,843.80 is due at closing. Uses and sources reconcile at $411,302.32 each. Not a Closing Disclosure.