Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,038Cash toward the purchase price.
Closing costs + prepaids$13,025Not just lender fees.
Before credits & paid funds$80,063The complete starting cash picture.
Estimated remaining funds due at closing
$80,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,037.78
Your down payment$67,037.78
Closing costs + prepaids$13,024.92
Total buyer cash needed$80,062.70
Remaining funds due$80,062.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,365.00
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)$692.25
Initial HOA (3 months)$81.00
Prepaid interest, first (27 days)$1,661.67
Fees + prepaids$13,024.92
Your down payment is the seller’s equity. You take over the $369,462 balance, so the rest of the $436,500 price is paid at closing. A second mortgage can cover part of it. $80,062.70 is due at closing. Uses and sources reconcile at $449,524.92 each. Not a Closing Disclosure.