Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$66,408Cash toward the purchase price.
Closing costs + prepaids$14,769Not just lender fees.
Before credits & paid funds$81,177The complete starting cash picture.
Estimated remaining funds due at closing
$81,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,408.03
Your down payment$66,408.03
Closing costs + prepaids$14,768.70
Total buyer cash needed$81,176.73
Remaining funds due$81,176.73
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)$1,128.00
Initial HOA (3 months)$255.00
Prepaid interest, first (29 days)$2,320.70
Fees + prepaids$14,768.70
Your down payment is the seller’s equity. You take over the $392,592 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $81,176.73 is due at closing. Uses and sources reconcile at $473,768.70 each. Not a Closing Disclosure.