Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$52,367Cash toward the purchase price.
Closing costs + prepaids$14,108Not just lender fees.
Before credits & paid funds$66,475The complete starting cash picture.
Estimated remaining funds due at closing
$66,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,366.85
Your down payment$52,366.85
Closing costs + prepaids$14,108.17
Total buyer cash needed$66,475.03
Remaining funds due$66,475.03
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)$576.50
Initial HOA (3 months)$201.00
Prepaid interest, first (30 days)$2,155.67
Fees + prepaids$14,108.17
Your down payment is the seller’s equity. You take over the $417,633 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $66,475.03 is due at closing. Uses and sources reconcile at $484,108.17 each. Not a Closing Disclosure.