Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$66,007Cash toward the purchase price.
Closing costs + prepaids$15,670Not just lender fees.
Before credits & paid funds$81,677The complete starting cash picture.
Estimated remaining funds due at closing
$81,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,006.89
Your down payment$66,006.89
Closing costs + prepaids$15,670.22
Total buyer cash needed$81,677.11
Remaining funds due$81,677.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,720.00
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)$1,846.00
Initial HOA (3 months)$780.00
Prepaid interest, first (25 days)$1,849.22
Fees + prepaids$15,670.22
Your down payment is the seller’s equity. You take over the $405,993 balance, so the rest of the $472,000 price is paid at closing. A second mortgage can cover part of it. $81,677.11 is due at closing. Uses and sources reconcile at $487,670.22 each. Not a Closing Disclosure.