Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$67,805Cash toward the purchase price.
Closing costs + prepaids$13,040Not just lender fees.
Before credits & paid funds$80,845The complete starting cash picture.
Estimated remaining funds due at closing
$80,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,804.76
Your down payment$67,804.76
Closing costs + prepaids$13,040.23
Total buyer cash needed$80,844.99
Remaining funds due$80,844.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.90
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)$593.75
Initial HOA (3 months)$32.49
Prepaid interest, first (17 days)$1,189.09
Fees + prepaids$13,040.23
Your down payment is the seller’s equity. You take over the $407,185 balance, so the rest of the $474,990 price is paid at closing. A second mortgage can cover part of it. $80,844.99 is due at closing. Uses and sources reconcile at $488,030.23 each. Not a Closing Disclosure.