Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$56,161Cash toward the purchase price.
Closing costs + prepaids$14,164Not just lender fees.
Before credits & paid funds$70,324The complete starting cash picture.
Estimated remaining funds due at closing
$70,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,160.78
Your down payment$56,160.78
Closing costs + prepaids$14,163.71
Total buyer cash needed$70,324.49
Remaining funds due$70,324.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$575.00
Initial HOA (3 months)$51.00
Prepaid interest, first (30 days)$2,412.71
Fees + prepaids$14,163.71
Your down payment is the seller’s equity. You take over the $408,839 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $70,324.49 is due at closing. Uses and sources reconcile at $479,163.71 each. Not a Closing Disclosure.