Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$81,364Cash toward the purchase price.
Closing costs + prepaids$12,227Not just lender fees.
Before credits & paid funds$93,591The complete starting cash picture.
Estimated remaining funds due at closing
$93,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,364.30
Your down payment$81,364.30
Closing costs + prepaids$12,226.71
Total buyer cash needed$93,591.01
Remaining funds due$93,591.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$574.75
Prepaid interest, first (12 days)$386.96
Fees + prepaids$12,226.71
Your down payment is the seller’s equity. You take over the $397,636 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $93,591.01 is due at closing. Uses and sources reconcile at $491,226.71 each. Not a Closing Disclosure.