Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$69,844Cash toward the purchase price.
Closing costs + prepaids$13,828Not just lender fees.
Before credits & paid funds$83,672The complete starting cash picture.
Estimated remaining funds due at closing
$83,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,843.99
Your down payment$69,843.99
Closing costs + prepaids$13,828.01
Total buyer cash needed$83,672.00
Remaining funds due$83,672.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$644.75
Initial HOA (3 months)$189.00
Prepaid interest, first (31 days)$1,969.26
Fees + prepaids$13,828.01
Your down payment is the seller’s equity. You take over the $385,156 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $83,672.00 is due at closing. Uses and sources reconcile at $468,828.01 each. Not a Closing Disclosure.