Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$70,557Cash toward the purchase price.
Closing costs + prepaids$15,037Not just lender fees.
Before credits & paid funds$85,593The complete starting cash picture.
Estimated remaining funds due at closing
$85,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,556.64
Your down payment$70,556.64
Closing costs + prepaids$15,036.81
Total buyer cash needed$85,593.45
Remaining funds due$85,593.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$1,392.75
Initial HOA (3 months)$1,485.00
Prepaid interest, first (24 days)$1,635.06
Fees + prepaids$15,036.81
Your down payment is the seller’s equity. You take over the $359,343 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $85,593.45 is due at closing. Uses and sources reconcile at $444,936.81 each. Not a Closing Disclosure.