Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$53,496Cash toward the purchase price.
Closing costs + prepaids$15,327Not just lender fees.
Before credits & paid funds$68,822The complete starting cash picture.
Estimated remaining funds due at closing
$68,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,495.75
Your down payment$53,495.75
Closing costs + prepaids$15,326.60
Total buyer cash needed$68,822.34
Remaining funds due$68,822.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.90
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)$1,667.50
Initial HOA (3 months)$381.00
Prepaid interest, first (28 days)$2,053.20
Fees + prepaids$15,326.60
Your down payment is the seller’s equity. You take over the $421,494 balance, so the rest of the $474,990 price is paid at closing. A second mortgage can cover part of it. $68,822.34 is due at closing. Uses and sources reconcile at $490,316.60 each. Not a Closing Disclosure.