Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$79,073Cash toward the purchase price.
Closing costs + prepaids$13,506Not just lender fees.
Before credits & paid funds$92,579The complete starting cash picture.
Estimated remaining funds due at closing
$92,579No 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$13,505.84
Total buyer cash needed$92,578.86
Remaining funds due$92,578.86
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)$578.25
Prepaid interest, first (24 days)$1,702.59
Fees + prepaids$13,505.84
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. $92,578.86 is due at closing. Uses and sources reconcile at $488,505.84 each. Not a Closing Disclosure.