Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$68,963Cash toward the purchase price.
Closing costs + prepaids$13,851Not just lender fees.
Before credits & paid funds$82,814The complete starting cash picture.
Estimated remaining funds due at closing
$82,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,963.09
Your down payment$68,963.09
Closing costs + prepaids$13,850.69
Total buyer cash needed$82,813.78
Remaining funds due$82,813.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$581.75
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$2,068.94
Fees + prepaids$13,850.69
Your down payment is the seller’s equity. You take over the $396,037 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $82,813.78 is due at closing. Uses and sources reconcile at $478,850.69 each. Not a Closing Disclosure.