Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$57,786Cash toward the purchase price.
Closing costs + prepaids$12,330Not just lender fees.
Before credits & paid funds$70,116The complete starting cash picture.
Estimated remaining funds due at closing
$70,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,786.19
Your down payment$57,786.19
Closing costs + prepaids$12,329.89
Total buyer cash needed$70,116.08
Remaining funds due$70,116.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,590.00
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)$1,035.00
Initial HOA (3 months)$65.01
Prepaid interest, first (2 days)$164.88
Fees + prepaids$12,329.89
Your down payment is the seller’s equity. You take over the $401,214 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $70,116.08 is due at closing. Uses and sources reconcile at $471,329.89 each. Not a Closing Disclosure.