Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$57,719Cash toward the purchase price.
Closing costs + prepaids$14,858Not just lender fees.
Before credits & paid funds$72,577The complete starting cash picture.
Estimated remaining funds due at closing
$72,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,718.66
Your down payment$57,718.66
Closing costs + prepaids$14,857.94
Total buyer cash needed$72,576.60
Remaining funds due$72,576.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,675.00
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)$832.25
Initial HOA (3 months)$966.00
Prepaid interest, first (27 days)$1,909.69
Fees + prepaids$14,857.94
Your down payment is the seller’s equity. You take over the $409,781 balance, so the rest of the $467,500 price is paid at closing. A second mortgage can cover part of it. $72,576.60 is due at closing. Uses and sources reconcile at $482,357.94 each. Not a Closing Disclosure.