Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$56,125Cash toward the purchase price.
Closing costs + prepaids$12,341Not just lender fees.
Before credits & paid funds$68,467The complete starting cash picture.
Estimated remaining funds due at closing
$68,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,125.30
Your down payment$56,125.30
Closing costs + prepaids$12,341.44
Total buyer cash needed$68,466.75
Remaining funds due$68,466.75
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)$935.75
Initial HOA (3 months)$133.50
Prepaid interest, first (2 days)$147.19
Fees + prepaids$12,341.44
Your down payment is the seller’s equity. You take over the $408,875 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $68,466.75 is due at closing. Uses and sources reconcile at $477,341.44 each. Not a Closing Disclosure.