Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$70,654Cash toward the purchase price.
Closing costs + prepaids$13,902Not just lender fees.
Before credits & paid funds$84,557The complete starting cash picture.
Estimated remaining funds due at closing
$84,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,654.29
Your down payment$70,654.29
Closing costs + prepaids$13,902.23
Total buyer cash needed$84,556.52
Remaining funds due$84,556.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$2,156.75
Initial HOA (3 months)$429.00
Prepaid interest, first (2 days)$151.48
Fees + prepaids$13,902.23
Your down payment is the seller’s equity. You take over the $398,346 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $84,556.52 is due at closing. Uses and sources reconcile at $482,902.23 each. Not a Closing Disclosure.