Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$81,423Cash toward the purchase price.
Closing costs + prepaids$14,722Not just lender fees.
Before credits & paid funds$96,145The complete starting cash picture.
Estimated remaining funds due at closing
$96,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,423.13
Your down payment$81,423.13
Closing costs + prepaids$14,721.73
Total buyer cash needed$96,144.85
Remaining funds due$96,144.85
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)$1,354.50
Initial HOA (3 months)$174.00
Prepaid interest, first (31 days)$2,019.23
Fees + prepaids$14,721.73
Your down payment is the seller’s equity. You take over the $388,477 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $96,144.85 is due at closing. Uses and sources reconcile at $484,621.73 each. Not a Closing Disclosure.