Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,700Cash toward the purchase price.
Closing costs + prepaids$13,855Not just lender fees.
Before credits & paid funds$90,556The complete starting cash picture.
Estimated remaining funds due at closing
$90,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,700.28
Your down payment$76,700.28
Closing costs + prepaids$13,855.45
Total buyer cash needed$90,555.73
Remaining funds due$90,555.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$425.00
Initial HOA (3 months)$207.99
Prepaid interest, first (31 days)$2,097.46
Fees + prepaids$13,855.45
Your down payment is the seller’s equity. You take over the $388,300 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $90,555.73 is due at closing. Uses and sources reconcile at $478,855.45 each. Not a Closing Disclosure.