Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$70,091Cash toward the purchase price.
Closing costs + prepaids$13,875Not just lender fees.
Before credits & paid funds$83,966The complete starting cash picture.
Estimated remaining funds due at closing
$83,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,090.74
Your down payment$70,090.74
Closing costs + prepaids$13,875.25
Total buyer cash needed$83,965.99
Remaining funds due$83,965.99
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)$709.00
Initial HOA (3 months)$215.01
Prepaid interest, first (24 days)$1,786.24
Fees + prepaids$13,875.25
Your down payment is the seller’s equity. You take over the $398,909 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $83,965.99 is due at closing. Uses and sources reconcile at $482,875.25 each. Not a Closing Disclosure.