Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$122,988Cash toward the purchase price.
Closing costs + prepaids$12,560Not just lender fees.
Before credits & paid funds$135,548The complete starting cash picture.
Estimated remaining funds due at closing
$135,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,988.22
Your down payment$122,988.22
Closing costs + prepaids$12,559.70
Total buyer cash needed$135,547.92
Remaining funds due$135,547.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,700.00
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)$596.75
Prepaid interest, first (28 days)$787.95
Fees + prepaids$12,559.70
Your down payment is the seller’s equity. You take over the $347,012 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $135,547.92 is due at closing. Uses and sources reconcile at $482,559.70 each. Not a Closing Disclosure.