Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$114,267Cash toward the purchase price.
Closing costs + prepaids$12,484Not just lender fees.
Before credits & paid funds$126,751The complete starting cash picture.
Estimated remaining funds due at closing
$126,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,266.74
Your down payment$114,266.74
Closing costs + prepaids$12,484.06
Total buyer cash needed$126,750.80
Remaining funds due$126,750.80
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
Initial HOA (3 months)$153.00
Prepaid interest, first (12 days)$536.06
Fees + prepaids$12,484.06
Your down payment is the seller’s equity. You take over the $360,733 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $126,750.80 is due at closing. Uses and sources reconcile at $487,484.06 each. Not a Closing Disclosure.