Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$75,468Cash toward the purchase price.
Closing costs + prepaids$14,003Not just lender fees.
Before credits & paid funds$89,471The complete starting cash picture.
Estimated remaining funds due at closing
$89,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,468.20
Your down payment$75,468.20
Closing costs + prepaids$14,003.08
Total buyer cash needed$89,471.28
Remaining funds due$89,471.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,090.75
Initial HOA (3 months)$41.49
Prepaid interest, first (25 days)$1,605.84
Fees + prepaids$14,003.08
Your down payment is the seller’s equity. You take over the $403,532 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $89,471.28 is due at closing. Uses and sources reconcile at $493,003.08 each. Not a Closing Disclosure.