Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,921Cash toward the purchase price.
Closing costs + prepaids$13,841Not just lender fees.
Before credits & paid funds$69,763The complete starting cash picture.
Estimated remaining funds due at closing
$69,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,921.42
Your down payment$55,921.42
Closing costs + prepaids$13,841.25
Total buyer cash needed$69,762.67
Remaining funds due$69,762.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$687.25
Initial HOA (3 months)$315.00
Prepaid interest, first (27 days)$1,565.00
Fees + prepaids$13,841.25
Your down payment is the seller’s equity. You take over the $423,979 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $69,762.67 is due at closing. Uses and sources reconcile at $493,741.25 each. Not a Closing Disclosure.