Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$76,202Cash toward the purchase price.
Closing costs + prepaids$15,864Not just lender fees.
Before credits & paid funds$92,066The complete starting cash picture.
Estimated remaining funds due at closing
$92,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,202.33
Your down payment$76,202.33
Closing costs + prepaids$15,863.73
Total buyer cash needed$92,066.06
Remaining funds due$92,066.06
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)$2,937.75
Initial HOA (3 months)$37.50
Prepaid interest, first (29 days)$1,663.48
Fees + prepaids$15,863.73
Your down payment is the seller’s equity. You take over the $398,798 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $92,066.06 is due at closing. Uses and sources reconcile at $490,863.73 each. Not a Closing Disclosure.