Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$97,273Cash toward the purchase price.
Closing costs + prepaids$13,472Not just lender fees.
Before credits & paid funds$110,745The complete starting cash picture.
Estimated remaining funds due at closing
$110,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,273.12
Your down payment$97,273.12
Closing costs + prepaids$13,471.67
Total buyer cash needed$110,744.79
Remaining funds due$110,744.79
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)$435.50
Prepaid interest, first (26 days)$1,761.17
Fees + prepaids$13,471.67
Your down payment is the seller’s equity. You take over the $382,727 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $110,744.79 is due at closing. Uses and sources reconcile at $493,471.67 each. Not a Closing Disclosure.