Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$76,401Cash toward the purchase price.
Closing costs + prepaids$13,967Not just lender fees.
Before credits & paid funds$90,368The complete starting cash picture.
Estimated remaining funds due at closing
$90,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,401.08
Your down payment$76,401.08
Closing costs + prepaids$13,967.02
Total buyer cash needed$90,368.11
Remaining funds due$90,368.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,829.00
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)$712.25
Initial HOA (3 months)$2.25
Prepaid interest, first (27 days)$1,948.52
Fees + prepaids$13,967.02
Your down payment is the seller’s equity. You take over the $406,499 balance, so the rest of the $482,900 price is paid at closing. A second mortgage can cover part of it. $90,368.11 is due at closing. Uses and sources reconcile at $496,867.02 each. Not a Closing Disclosure.