Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$65,862Cash toward the purchase price.
Closing costs + prepaids$14,472Not just lender fees.
Before credits & paid funds$80,334The complete starting cash picture.
Estimated remaining funds due at closing
$80,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,862.27
Your down payment$65,862.27
Closing costs + prepaids$14,472.17
Total buyer cash needed$80,334.44
Remaining funds due$80,334.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$1,200.00
Prepaid interest, first (26 days)$1,997.17
Fees + prepaids$14,472.17
Your down payment is the seller’s equity. You take over the $414,138 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $80,334.44 is due at closing. Uses and sources reconcile at $494,472.17 each. Not a Closing Disclosure.