Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$58,286Cash toward the purchase price.
Closing costs + prepaids$12,563Not just lender fees.
Before credits & paid funds$70,849The complete starting cash picture.
Estimated remaining funds due at closing
$70,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,286.26
Your down payment$58,286.26
Closing costs + prepaids$12,562.97
Total buyer cash needed$70,849.23
Remaining funds due$70,849.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$1,214.75
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$79.22
Fees + prepaids$12,562.97
Your down payment is the seller’s equity. You take over the $401,614 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $70,849.23 is due at closing. Uses and sources reconcile at $472,462.97 each. Not a Closing Disclosure.