Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$73,276Cash toward the purchase price.
Closing costs + prepaids$12,694Not just lender fees.
Before credits & paid funds$85,970The complete starting cash picture.
Estimated remaining funds due at closing
$85,970No 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$12,693.99
Total buyer cash needed$85,969.69
Remaining funds due$85,969.69
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)$563.50
Initial HOA (3 months)$255.00
Prepaid interest, first (10 days)$705.59
Fees + prepaids$12,693.99
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. $85,969.69 is due at closing. Uses and sources reconcile at $482,183.99 each. Not a Closing Disclosure.