Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$73,923Cash toward the purchase price.
Closing costs + prepaids$13,541Not just lender fees.
Before credits & paid funds$87,464The complete starting cash picture.
Estimated remaining funds due at closing
$87,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,922.84
Your down payment$73,922.84
Closing costs + prepaids$13,541.38
Total buyer cash needed$87,464.23
Remaining funds due$87,464.23
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)$537.50
Initial HOA (3 months)$201.00
Prepaid interest, first (30 days)$1,677.88
Fees + prepaids$13,541.38
Your down payment is the seller’s equity. You take over the $391,077 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $87,464.23 is due at closing. Uses and sources reconcile at $478,541.38 each. Not a Closing Disclosure.