Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,521Cash toward the purchase price.
Closing costs + prepaids$14,266Not just lender fees.
Before credits & paid funds$81,787The complete starting cash picture.
Estimated remaining funds due at closing
$81,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,520.94
Your down payment$67,520.94
Closing costs + prepaids$14,265.71
Total buyer cash needed$81,786.65
Remaining funds due$81,786.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.90
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)$479.75
Initial HOA (3 months)$234.00
Prepaid interest, first (31 days)$2,277.06
Fees + prepaids$14,265.71
Your down payment is the seller’s equity. You take over the $412,469 balance, so the rest of the $479,990 price is paid at closing. A second mortgage can cover part of it. $81,786.65 is due at closing. Uses and sources reconcile at $494,255.71 each. Not a Closing Disclosure.