Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$34,894Cash toward the purchase price.
Closing costs + prepaids$11,441Not just lender fees.
Before credits & paid funds$46,335The complete starting cash picture.
Estimated remaining funds due at closing
$46,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,894.14
Your down payment$34,894.14
Closing costs + prepaids$11,440.81
Total buyer cash needed$46,334.95
Remaining funds due$46,334.95
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 (12 days)$735.81
Fees + prepaids$11,440.81
Your down payment is the seller’s equity. You take over the $365,106 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $46,334.95 is due at closing. Uses and sources reconcile at $411,440.81 each. Not a Closing Disclosure.