Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$69,967Cash toward the purchase price.
Closing costs + prepaids$15,404Not just lender fees.
Before credits & paid funds$85,372The complete starting cash picture.
Estimated remaining funds due at closing
$85,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,967.48
Your down payment$69,967.48
Closing costs + prepaids$15,404.48
Total buyer cash needed$85,371.97
Remaining funds due$85,371.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,299.00
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)$2,377.75
Initial HOA (3 months)$708.00
Prepaid interest, first (28 days)$1,794.73
Fees + prepaids$15,404.48
Your down payment is the seller’s equity. You take over the $359,933 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $85,371.97 is due at closing. Uses and sources reconcile at $445,304.48 each. Not a Closing Disclosure.