Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$64,449Cash toward the purchase price.
Closing costs + prepaids$13,588Not just lender fees.
Before credits & paid funds$78,037The complete starting cash picture.
Estimated remaining funds due at closing
$78,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,449.35
Your down payment$64,449.35
Closing costs + prepaids$13,587.72
Total buyer cash needed$78,037.07
Remaining funds due$78,037.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,690.00
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)$545.25
Initial HOA (3 months)$456.00
Prepaid interest, first (27 days)$1,421.47
Fees + prepaids$13,587.72
Your down payment is the seller’s equity. You take over the $404,551 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $78,037.07 is due at closing. Uses and sources reconcile at $482,587.72 each. Not a Closing Disclosure.