Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,279Cash toward the purchase price.
Closing costs + prepaids$12,187Not just lender fees.
Before credits & paid funds$79,466The complete starting cash picture.
Estimated remaining funds due at closing
$79,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,278.50
Your down payment$67,278.50
Closing costs + prepaids$12,187.13
Total buyer cash needed$79,465.63
Remaining funds due$79,465.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$431.00
Initial HOA (3 months)$402.00
Prepaid interest, first (2 days)$129.13
Fees + prepaids$12,187.13
Your down payment is the seller’s equity. You take over the $407,721 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $79,465.63 is due at closing. Uses and sources reconcile at $487,187.13 each. Not a Closing Disclosure.