Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,086Cash toward the purchase price.
Closing costs + prepaids$12,136Not just lender fees.
Before credits & paid funds$79,222The complete starting cash picture.
Estimated remaining funds due at closing
$79,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,085.95
Your down payment$67,085.95
Closing costs + prepaids$12,135.71
Total buyer cash needed$79,221.66
Remaining funds due$79,221.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.90
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)$479.75
Initial HOA (3 months)$234.00
Prepaid interest, first (2 days)$147.06
Fees + prepaids$12,135.71
Your down payment is the seller’s equity. You take over the $412,904 balance, so the rest of the $479,990 price is paid at closing. A second mortgage can cover part of it. $79,221.66 is due at closing. Uses and sources reconcile at $492,125.71 each. Not a Closing Disclosure.