Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$72,377Cash toward the purchase price.
Closing costs + prepaids$13,353Not just lender fees.
Before credits & paid funds$85,730The complete starting cash picture.
Estimated remaining funds due at closing
$85,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,377.30
Your down payment$72,377.30
Closing costs + prepaids$13,353.12
Total buyer cash needed$85,730.42
Remaining funds due$85,730.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.00
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)$1,740.75
Initial HOA (3 months)$363.00
Prepaid interest, first (1 days)$75.37
Fees + prepaids$13,353.12
Your down payment is the seller’s equity. You take over the $397,523 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $85,730.42 is due at closing. Uses and sources reconcile at $483,253.12 each. Not a Closing Disclosure.