Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$78,698Cash toward the purchase price.
Closing costs + prepaids$14,007Not just lender fees.
Before credits & paid funds$92,705The complete starting cash picture.
Estimated remaining funds due at closing
$92,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,697.50
Your down payment$78,697.50
Closing costs + prepaids$14,007.29
Total buyer cash needed$92,704.79
Remaining funds due$92,704.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.90
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)$809.50
Prepaid interest, first (27 days)$1,972.89
Fees + prepaids$14,007.29
Your down payment is the seller’s equity. You take over the $396,292 balance, so the rest of the $474,990 price is paid at closing. A second mortgage can cover part of it. $92,704.79 is due at closing. Uses and sources reconcile at $488,997.29 each. Not a Closing Disclosure.