Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$69,280Cash toward the purchase price.
Closing costs + prepaids$14,532Not just lender fees.
Before credits & paid funds$83,812The complete starting cash picture.
Estimated remaining funds due at closing
$83,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,280.12
Your down payment$69,280.12
Closing costs + prepaids$14,531.78
Total buyer cash needed$83,811.90
Remaining funds due$83,811.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$1,330.75
Prepaid interest, first (27 days)$2,027.03
Fees + prepaids$14,531.78
Your down payment is the seller’s equity. You take over the $400,620 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $83,811.90 is due at closing. Uses and sources reconcile at $484,431.78 each. Not a Closing Disclosure.