Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$69,352Cash toward the purchase price.
Closing costs + prepaids$13,799Not just lender fees.
Before credits & paid funds$83,151The complete starting cash picture.
Estimated remaining funds due at closing
$83,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,351.68
Your down payment$69,351.68
Closing costs + prepaids$13,799.31
Total buyer cash needed$83,150.99
Remaining funds due$83,150.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,405.25
Initial HOA (3 months)$270.00
Prepaid interest, first (23 days)$1,609.06
Fees + prepaids$13,799.31
Your down payment is the seller’s equity. You take over the $359,648 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $83,150.99 is due at closing. Uses and sources reconcile at $442,799.31 each. Not a Closing Disclosure.