Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$75,426Cash toward the purchase price.
Closing costs + prepaids$15,388Not just lender fees.
Before credits & paid funds$90,814The complete starting cash picture.
Estimated remaining funds due at closing
$90,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,425.97
Your down payment$75,425.97
Closing costs + prepaids$15,387.68
Total buyer cash needed$90,813.65
Remaining funds due$90,813.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$696.75
Initial HOA (3 months)$1,689.00
Prepaid interest, first (26 days)$1,826.93
Fees + prepaids$15,387.68
Your down payment is the seller’s equity. You take over the $394,574 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $90,813.65 is due at closing. Uses and sources reconcile at $485,387.68 each. Not a Closing Disclosure.