Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,834Cash toward the purchase price.
Closing costs + prepaids$13,876Not just lender fees.
Before credits & paid funds$74,711The complete starting cash picture.
Estimated remaining funds due at closing
$74,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,834.36
Your down payment$60,834.36
Closing costs + prepaids$13,876.44
Total buyer cash needed$74,710.80
Remaining funds due$74,710.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.90
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)$595.25
Initial HOA (3 months)$270.00
Prepaid interest, first (26 days)$1,936.29
Fees + prepaids$13,876.44
Your down payment is the seller’s equity. You take over the $399,156 balance, so the rest of the $459,990 price is paid at closing. A second mortgage can cover part of it. $74,710.80 is due at closing. Uses and sources reconcile at $473,866.44 each. Not a Closing Disclosure.