Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$113,472Cash toward the purchase price.
Closing costs + prepaids$13,804Not just lender fees.
Before credits & paid funds$127,276The complete starting cash picture.
Estimated remaining funds due at closing
$127,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,472.44
Your down payment$113,472.44
Closing costs + prepaids$13,803.83
Total buyer cash needed$127,276.27
Remaining funds due$127,276.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$983.00
Prepaid interest, first (24 days)$1,546.83
Fees + prepaids$13,803.83
Your down payment is the seller’s equity. You take over the $366,428 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $127,276.27 is due at closing. Uses and sources reconcile at $493,703.83 each. Not a Closing Disclosure.