Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$63,142Cash toward the purchase price.
Closing costs + prepaids$13,552Not just lender fees.
Before credits & paid funds$76,694The complete starting cash picture.
Estimated remaining funds due at closing
$76,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,142.19
Your down payment$63,142.19
Closing costs + prepaids$13,552.26
Total buyer cash needed$76,694.45
Remaining funds due$76,694.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$278.50
Initial HOA (3 months)$300.00
Prepaid interest, first (25 days)$1,799.76
Fees + prepaids$13,552.26
Your down payment is the seller’s equity. You take over the $406,758 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $76,694.45 is due at closing. Uses and sources reconcile at $483,452.26 each. Not a Closing Disclosure.