Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$70,663Cash toward the purchase price.
Closing costs + prepaids$13,789Not just lender fees.
Before credits & paid funds$84,452The complete starting cash picture.
Estimated remaining funds due at closing
$84,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,662.61
Your down payment$70,662.61
Closing costs + prepaids$13,789.44
Total buyer cash needed$84,452.05
Remaining funds due$84,452.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,370.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$950.50
Initial HOA (3 months)$480.00
Prepaid interest, first (25 days)$1,763.94
Fees + prepaids$13,789.44
Your down payment is the seller’s equity. You take over the $366,337 balance, so the rest of the $437,000 price is paid at closing. A second mortgage can cover part of it. $84,452.05 is due at closing. Uses and sources reconcile at $450,789.44 each. Not a Closing Disclosure.