Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$66,386Cash toward the purchase price.
Closing costs + prepaids$15,267Not just lender fees.
Before credits & paid funds$81,653The complete starting cash picture.
Estimated remaining funds due at closing
$81,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,386.40
Your down payment$66,386.40
Closing costs + prepaids$15,266.54
Total buyer cash needed$81,652.95
Remaining funds due$81,652.95
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)$1,391.75
Initial HOA (3 months)$552.00
Prepaid interest, first (31 days)$2,148.79
Fees + prepaids$15,266.54
Your down payment is the seller’s equity. You take over the $403,514 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $81,652.95 is due at closing. Uses and sources reconcile at $485,166.54 each. Not a Closing Disclosure.