Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$57,930Cash toward the purchase price.
Closing costs + prepaids$11,609Not just lender fees.
Before credits & paid funds$69,540The complete starting cash picture.
Estimated remaining funds due at closing
$69,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,930.50
Your down payment$57,930.50
Closing costs + prepaids$11,609.45
Total buyer cash needed$69,539.95
Remaining funds due$69,539.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$195.75
Initial HOA (3 months)$96.00
Prepaid interest, first (2 days)$142.70
Fees + prepaids$11,609.45
Your down payment is the seller’s equity. You take over the $412,070 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $69,539.95 is due at closing. Uses and sources reconcile at $481,609.45 each. Not a Closing Disclosure.