Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$66,485Cash toward the purchase price.
Closing costs + prepaids$13,325Not just lender fees.
Before credits & paid funds$79,810The complete starting cash picture.
Estimated remaining funds due at closing
$79,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,484.67
Your down payment$66,484.67
Closing costs + prepaids$13,324.89
Total buyer cash needed$79,809.56
Remaining funds due$79,809.56
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)$1,211.25
Initial HOA (3 months)$525.00
Prepaid interest, first (5 days)$363.74
Fees + prepaids$13,324.89
Your down payment is the seller’s equity. You take over the $408,505 balance, so the rest of the $474,990 price is paid at closing. A second mortgage can cover part of it. $79,809.56 is due at closing. Uses and sources reconcile at $488,314.89 each. Not a Closing Disclosure.