Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$73,276Cash toward the purchase price.
Closing costs + prepaids$13,662Not just lender fees.
Before credits & paid funds$86,938The complete starting cash picture.
Estimated remaining funds due at closing
$86,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,275.70
Your down payment$73,275.70
Closing costs + prepaids$13,662.22
Total buyer cash needed$86,937.92
Remaining funds due$86,937.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,694.90
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)$50.00
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$2,187.32
Fees + prepaids$13,662.22
Your down payment is the seller’s equity. You take over the $396,214 balance, so the rest of the $469,490 price is paid at closing. A second mortgage can cover part of it. $86,937.92 is due at closing. Uses and sources reconcile at $483,152.22 each. Not a Closing Disclosure.