Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$49,993Cash toward the purchase price.
Closing costs + prepaids$11,423Not just lender fees.
Before credits & paid funds$61,416The complete starting cash picture.
Estimated remaining funds due at closing
$61,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,992.57
Your down payment$49,992.57
Closing costs + prepaids$11,423.50
Total buyer cash needed$61,416.07
Remaining funds due$61,416.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,989.99
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)$478.75
Prepaid interest, first (12 days)$729.76
Fees + prepaids$11,423.50
Your down payment is the seller’s equity. You take over the $349,006 balance, so the rest of the $398,999 price is paid at closing. A second mortgage can cover part of it. $61,416.07 is due at closing. Uses and sources reconcile at $410,422.50 each. Not a Closing Disclosure.