Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$78,563Cash toward the purchase price.
Closing costs + prepaids$14,043Not just lender fees.
Before credits & paid funds$92,606The complete starting cash picture.
Estimated remaining funds due at closing
$92,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,562.97
Your down payment$78,562.97
Closing costs + prepaids$14,042.57
Total buyer cash needed$92,605.54
Remaining funds due$92,605.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$1,520.50
Initial HOA (3 months)$248.01
Prepaid interest, first (29 days)$1,209.06
Fees + prepaids$14,042.57
Your down payment is the seller’s equity. You take over the $380,437 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $92,605.54 is due at closing. Uses and sources reconcile at $473,042.57 each. Not a Closing Disclosure.