Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,409Cash toward the purchase price.
Closing costs + prepaids$13,126Not just lender fees.
Before credits & paid funds$72,536The complete starting cash picture.
Estimated remaining funds due at closing
$72,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,409.28
Your down payment$59,409.28
Closing costs + prepaids$13,126.39
Total buyer cash needed$72,535.67
Remaining funds due$72,535.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,676.28
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)$120.75
Initial HOA (3 months)$471.00
Prepaid interest, first (31 days)$1,383.36
Fees + prepaids$13,126.39
Your down payment is the seller’s equity. You take over the $408,219 balance, so the rest of the $467,628 price is paid at closing. A second mortgage can cover part of it. $72,535.67 is due at closing. Uses and sources reconcile at $480,754.39 each. Not a Closing Disclosure.