Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$74,679Cash toward the purchase price.
Closing costs + prepaids$14,984Not just lender fees.
Before credits & paid funds$89,663The complete starting cash picture.
Estimated remaining funds due at closing
$89,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,679.01
Your down payment$74,679.01
Closing costs + prepaids$14,983.96
Total buyer cash needed$89,662.97
Remaining funds due$89,662.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$1,807.50
Initial HOA (3 months)$45.00
Prepaid interest, first (29 days)$2,006.46
Fees + prepaids$14,983.96
Your down payment is the seller’s equity. You take over the $390,321 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $89,662.97 is due at closing. Uses and sources reconcile at $479,983.96 each. Not a Closing Disclosure.