Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$112,505Cash toward the purchase price.
Closing costs + prepaids$15,243Not just lender fees.
Before credits & paid funds$127,748The complete starting cash picture.
Estimated remaining funds due at closing
$127,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,505.41
Your down payment$112,505.41
Closing costs + prepaids$15,242.69
Total buyer cash needed$127,748.10
Remaining funds due$127,748.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.99
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)$1,200.00
Initial HOA (3 months)$1,545.00
Prepaid interest, first (22 days)$1,222.70
Fees + prepaids$15,242.69
Your down payment is the seller’s equity. You take over the $367,494 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $127,748.10 is due at closing. Uses and sources reconcile at $495,241.69 each. Not a Closing Disclosure.