Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$70,868Cash toward the purchase price.
Closing costs + prepaids$13,893Not just lender fees.
Before credits & paid funds$84,761The complete starting cash picture.
Estimated remaining funds due at closing
$84,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,868.19
Your down payment$70,868.19
Closing costs + prepaids$13,893.15
Total buyer cash needed$84,761.35
Remaining funds due$84,761.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.95
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)$1,514.25
Initial HOA (3 months)$381.99
Prepaid interest, first (23 days)$921.96
Fees + prepaids$13,893.15
Your down payment is the seller’s equity. You take over the $389,127 balance, so the rest of the $459,995 price is paid at closing. A second mortgage can cover part of it. $84,761.35 is due at closing. Uses and sources reconcile at $473,888.15 each. Not a Closing Disclosure.