Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$83,837Cash toward the purchase price.
Closing costs + prepaids$13,122Not just lender fees.
Before credits & paid funds$96,960The complete starting cash picture.
Estimated remaining funds due at closing
$96,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,837.22
Your down payment$83,837.22
Closing costs + prepaids$13,122.40
Total buyer cash needed$96,959.61
Remaining funds due$96,959.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,760.00
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)$566.00
Initial HOA (3 months)$204.00
Prepaid interest, first (25 days)$1,117.40
Fees + prepaids$13,122.40
Your down payment is the seller’s equity. You take over the $392,163 balance, so the rest of the $476,000 price is paid at closing. A second mortgage can cover part of it. $96,959.61 is due at closing. Uses and sources reconcile at $489,122.40 each. Not a Closing Disclosure.