Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$68,804Cash toward the purchase price.
Closing costs + prepaids$12,789Not just lender fees.
Before credits & paid funds$81,593The complete starting cash picture.
Estimated remaining funds due at closing
$81,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,803.98
Your down payment$68,803.98
Closing costs + prepaids$12,789.07
Total buyer cash needed$81,593.06
Remaining funds due$81,593.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,424.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$500.00
Initial HOA (3 months)$255.00
Prepaid interest, first (20 days)$1,384.17
Fees + prepaids$12,789.07
Your down payment is the seller’s equity. You take over the $373,686 balance, so the rest of the $442,490 price is paid at closing. A second mortgage can cover part of it. $81,593.06 is due at closing. Uses and sources reconcile at $455,279.07 each. Not a Closing Disclosure.