Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$68,823Cash toward the purchase price.
Closing costs + prepaids$13,186Not just lender fees.
Before credits & paid funds$82,009The complete starting cash picture.
Estimated remaining funds due at closing
$82,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,822.84
Your down payment$68,822.84
Closing costs + prepaids$13,185.80
Total buyer cash needed$82,008.64
Remaining funds due$82,008.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$722.00
Initial HOA (3 months)$47.49
Prepaid interest, first (24 days)$1,342.31
Fees + prepaids$13,185.80
Your down payment is the seller’s equity. You take over the $391,077 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $82,008.64 is due at closing. Uses and sources reconcile at $473,085.80 each. Not a Closing Disclosure.