Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$56,830Cash toward the purchase price.
Closing costs + prepaids$14,269Not just lender fees.
Before credits & paid funds$71,099The complete starting cash picture.
Estimated remaining funds due at closing
$71,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,829.86
Your down payment$56,829.86
Closing costs + prepaids$14,269.08
Total buyer cash needed$71,098.94
Remaining funds due$71,098.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$454.00
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$2,361.08
Fees + prepaids$14,269.08
Your down payment is the seller’s equity. You take over the $423,070 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $71,098.94 is due at closing. Uses and sources reconcile at $494,169.08 each. Not a Closing Disclosure.