Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$85,216Cash toward the purchase price.
Closing costs + prepaids$14,651Not just lender fees.
Before credits & paid funds$99,867The complete starting cash picture.
Estimated remaining funds due at closing
$99,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,215.85
Your down payment$85,215.85
Closing costs + prepaids$14,650.95
Total buyer cash needed$99,866.80
Remaining funds due$99,866.80
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)$1,228.25
Initial HOA (3 months)$192.00
Prepaid interest, first (30 days)$2,055.70
Fees + prepaids$14,650.95
Your down payment is the seller’s equity. You take over the $384,784 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $99,866.80 is due at closing. Uses and sources reconcile at $484,650.95 each. Not a Closing Disclosure.