Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$67,944Cash toward the purchase price.
Closing costs + prepaids$15,030Not just lender fees.
Before credits & paid funds$82,974The complete starting cash picture.
Estimated remaining funds due at closing
$82,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,944.04
Your down payment$67,944.04
Closing costs + prepaids$15,029.73
Total buyer cash needed$82,973.77
Remaining funds due$82,973.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$2,018.50
Initial HOA (3 months)$312.00
Prepaid interest, first (25 days)$1,525.23
Fees + prepaids$15,029.73
Your down payment is the seller’s equity. You take over the $401,956 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $82,973.77 is due at closing. Uses and sources reconcile at $484,929.73 each. Not a Closing Disclosure.