Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$129,907Cash toward the purchase price.
Closing costs + prepaids$15,325Not just lender fees.
Before credits & paid funds$145,232The complete starting cash picture.
Estimated remaining funds due at closing
$145,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,907.20
Your down payment$129,907.20
Closing costs + prepaids$15,324.59
Total buyer cash needed$145,231.79
Remaining funds due$145,231.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$2,407.25
Initial HOA (3 months)$105.00
Prepaid interest, first (26 days)$1,647.34
Fees + prepaids$15,324.59
Your down payment is the seller’s equity. You take over the $339,093 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $145,231.79 is due at closing. Uses and sources reconcile at $484,324.59 each. Not a Closing Disclosure.