Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,767Cash toward the purchase price.
Closing costs + prepaids$14,541Not just lender fees.
Before credits & paid funds$93,309The complete starting cash picture.
Estimated remaining funds due at closing
$93,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,767.44
Your down payment$78,767.44
Closing costs + prepaids$14,541.21
Total buyer cash needed$93,308.65
Remaining funds due$93,308.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.90
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)$749.50
Initial HOA (3 months)$501.00
Prepaid interest, first (28 days)$2,165.81
Fees + prepaids$14,541.21
Your down payment is the seller’s equity. You take over the $386,223 balance, so the rest of the $464,990 price is paid at closing. A second mortgage can cover part of it. $93,308.65 is due at closing. Uses and sources reconcile at $479,531.21 each. Not a Closing Disclosure.