Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$60,075Cash toward the purchase price.
Closing costs + prepaids$15,554Not just lender fees.
Before credits & paid funds$75,629The complete starting cash picture.
Estimated remaining funds due at closing
$75,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,074.88
Your down payment$60,074.88
Closing costs + prepaids$15,553.67
Total buyer cash needed$75,628.54
Remaining funds due$75,628.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.90
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)$1,943.25
Initial HOA (3 months)$423.00
Prepaid interest, first (28 days)$2,062.52
Fees + prepaids$15,553.67
Your down payment is the seller’s equity. You take over the $404,915 balance, so the rest of the $464,990 price is paid at closing. A second mortgage can cover part of it. $75,628.54 is due at closing. Uses and sources reconcile at $480,543.67 each. Not a Closing Disclosure.