Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$67,568Cash toward the purchase price.
Closing costs + prepaids$14,710Not just lender fees.
Before credits & paid funds$82,279The complete starting cash picture.
Estimated remaining funds due at closing
$82,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,568.42
Your down payment$67,568.42
Closing costs + prepaids$14,710.46
Total buyer cash needed$82,278.87
Remaining funds due$82,278.87
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)$1,480.00
Prepaid interest, first (26 days)$2,005.46
Fees + prepaids$14,710.46
Your down payment is the seller’s equity. You take over the $407,432 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $82,278.87 is due at closing. Uses and sources reconcile at $489,710.46 each. Not a Closing Disclosure.