Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$76,318Cash toward the purchase price.
Closing costs + prepaids$15,424Not just lender fees.
Before credits & paid funds$91,742The complete starting cash picture.
Estimated remaining funds due at closing
$91,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,318.12
Your down payment$76,318.12
Closing costs + prepaids$15,424.22
Total buyer cash needed$91,742.34
Remaining funds due$91,742.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,820.00
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)$2,276.50
Initial HOA (3 months)$41.49
Prepaid interest, first (24 days)$1,811.23
Fees + prepaids$15,424.22
Your down payment is the seller’s equity. You take over the $405,682 balance, so the rest of the $482,000 price is paid at closing. A second mortgage can cover part of it. $91,742.34 is due at closing. Uses and sources reconcile at $497,424.22 each. Not a Closing Disclosure.