Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$79,073Cash toward the purchase price.
Closing costs + prepaids$12,646Not just lender fees.
Before credits & paid funds$91,719The complete starting cash picture.
Estimated remaining funds due at closing
$91,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,073.02
Your down payment$79,073.02
Closing costs + prepaids$12,646.30
Total buyer cash needed$91,719.31
Remaining funds due$91,719.31
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)$570.00
Prepaid interest, first (12 days)$851.30
Fees + prepaids$12,646.30
Your down payment is the seller’s equity. You take over the $395,927 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $91,719.31 is due at closing. Uses and sources reconcile at $487,646.30 each. Not a Closing Disclosure.