Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$94,624Cash toward the purchase price.
Closing costs + prepaids$13,630Not just lender fees.
Before credits & paid funds$108,254The complete starting cash picture.
Estimated remaining funds due at closing
$108,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,624.20
Your down payment$94,624.20
Closing costs + prepaids$13,629.99
Total buyer cash needed$108,254.19
Remaining funds due$108,254.19
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)$1,064.00
Initial HOA (3 months)$24.99
Prepaid interest, first (22 days)$1,316.00
Fees + prepaids$13,629.99
Your down payment is the seller’s equity. You take over the $380,376 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $108,254.19 is due at closing. Uses and sources reconcile at $488,629.99 each. Not a Closing Disclosure.