Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$57,103Cash toward the purchase price.
Closing costs + prepaids$12,432Not just lender fees.
Before credits & paid funds$69,535The complete starting cash picture.
Estimated remaining funds due at closing
$69,535No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,102.64
Your down payment$57,102.64
Closing costs + prepaids$12,432.36
Total buyer cash needed$69,535.01
Remaining funds due$69,535.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,699.90
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)$1,175.00
Prepaid interest, first (1 days)$82.46
Fees + prepaids$12,432.36
Your down payment is the seller’s equity. You take over the $412,887 balance, so the rest of the $469,990 price is paid at closing. A second mortgage can cover part of it. $69,535.01 is due at closing. Uses and sources reconcile at $482,422.36 each. Not a Closing Disclosure.