Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$73,723Cash toward the purchase price.
Closing costs + prepaids$11,959Not just lender fees.
Before credits & paid funds$85,681The complete starting cash picture.
Estimated remaining funds due at closing
$85,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,722.53
Your down payment$73,722.53
Closing costs + prepaids$11,958.86
Total buyer cash needed$85,681.38
Remaining funds due$85,681.38
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)$557.50
Initial HOA (3 months)$113.01
Prepaid interest, first (2 days)$113.35
Fees + prepaids$11,958.86
Your down payment is the seller’s equity. You take over the $396,277 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $85,681.38 is due at closing. Uses and sources reconcile at $481,958.86 each. Not a Closing Disclosure.