Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$103,996Cash toward the purchase price.
Closing costs + prepaids$12,251Not just lender fees.
Before credits & paid funds$116,247The complete starting cash picture.
Estimated remaining funds due at closing
$116,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,996.35
Your down payment$103,996.35
Closing costs + prepaids$12,251.07
Total buyer cash needed$116,247.43
Remaining funds due$116,247.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,825.00
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)$579.00
Prepaid interest, first (12 days)$372.07
Fees + prepaids$12,251.07
Your down payment is the seller’s equity. You take over the $378,504 balance, so the rest of the $482,500 price is paid at closing. A second mortgage can cover part of it. $116,247.43 is due at closing. Uses and sources reconcile at $494,751.07 each. Not a Closing Disclosure.