Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$56,830Cash toward the purchase price.
Closing costs + prepaids$13,639Not just lender fees.
Before credits & paid funds$70,469The complete starting cash picture.
Estimated remaining funds due at closing
$70,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,829.86
Your down payment$56,829.86
Closing costs + prepaids$13,639.46
Total buyer cash needed$70,469.32
Remaining funds due$70,469.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$454.00
Initial HOA (3 months)$180.00
Prepaid interest, first (22 days)$1,731.46
Fees + prepaids$13,639.46
Your down payment is the seller’s equity. You take over the $423,070 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $70,469.32 is due at closing. Uses and sources reconcile at $493,539.46 each. Not a Closing Disclosure.