Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$69,961Cash toward the purchase price.
Closing costs + prepaids$14,202Not just lender fees.
Before credits & paid funds$84,163The complete starting cash picture.
Estimated remaining funds due at closing
$84,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,961.08
Your down payment$69,961.08
Closing costs + prepaids$14,202.10
Total buyer cash needed$84,163.19
Remaining funds due$84,163.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,499.90
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)$687.50
Initial HOA (3 months)$120.00
Prepaid interest, first (17 days)$1,419.70
Fees + prepaids$14,202.10
Your down payment is the seller’s equity. You take over the $480,029 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $84,163.19 is due at closing. Uses and sources reconcile at $564,192.10 each. Not a Closing Disclosure.