Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$65,899Cash toward the purchase price.
Closing costs + prepaids$14,447Not just lender fees.
Before credits & paid funds$80,346The complete starting cash picture.
Estimated remaining funds due at closing
$80,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,899.40
Your down payment$65,899.40
Closing costs + prepaids$14,446.76
Total buyer cash needed$80,346.16
Remaining funds due$80,346.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$988.00
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$1,933.76
Fees + prepaids$14,446.76
Your down payment is the seller’s equity. You take over the $409,101 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $80,346.16 is due at closing. Uses and sources reconcile at $489,446.76 each. Not a Closing Disclosure.