Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$54,313Cash toward the purchase price.
Closing costs + prepaids$13,254Not just lender fees.
Before credits & paid funds$67,568The complete starting cash picture.
Estimated remaining funds due at closing
$67,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,313.28
Your down payment$54,313.28
Closing costs + prepaids$13,254.29
Total buyer cash needed$67,567.57
Remaining funds due$67,567.57
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)$695.50
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$1,308.79
Fees + prepaids$13,254.29
Your down payment is the seller’s equity. You take over the $415,687 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $67,567.57 is due at closing. Uses and sources reconcile at $483,254.29 each. Not a Closing Disclosure.