Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$76,356Cash toward the purchase price.
Closing costs + prepaids$13,279Not just lender fees.
Before credits & paid funds$89,635The complete starting cash picture.
Estimated remaining funds due at closing
$89,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,356.26
Your down payment$76,356.26
Closing costs + prepaids$13,278.72
Total buyer cash needed$89,634.97
Remaining funds due$89,634.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.90
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)$329.00
Initial HOA (3 months)$123.00
Prepaid interest, first (26 days)$1,651.82
Fees + prepaids$13,278.72
Your down payment is the seller’s equity. You take over the $393,634 balance, so the rest of the $469,990 price is paid at closing. A second mortgage can cover part of it. $89,634.97 is due at closing. Uses and sources reconcile at $483,268.72 each. Not a Closing Disclosure.