Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$69,183Cash toward the purchase price.
Closing costs + prepaids$12,994Not just lender fees.
Before credits & paid funds$82,177The complete starting cash picture.
Estimated remaining funds due at closing
$82,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,183.01
Your down payment$69,183.01
Closing costs + prepaids$12,994.36
Total buyer cash needed$82,177.37
Remaining funds due$82,177.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,898.50
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)$587.75
Initial HOA (3 months)$501.00
Prepaid interest, first (9 days)$532.11
Fees + prepaids$12,994.36
Your down payment is the seller’s equity. You take over the $420,667 balance, so the rest of the $489,850 price is paid at closing. A second mortgage can cover part of it. $82,177.37 is due at closing. Uses and sources reconcile at $502,844.36 each. Not a Closing Disclosure.