Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$78,175Cash toward the purchase price.
Closing costs + prepaids$14,144Not just lender fees.
Before credits & paid funds$92,319The complete starting cash picture.
Estimated remaining funds due at closing
$92,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,175.07
Your down payment$78,175.07
Closing costs + prepaids$14,144.17
Total buyer cash needed$92,319.24
Remaining funds due$92,319.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,640.00
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)$1,746.75
Prepaid interest, first (18 days)$1,282.42
Fees + prepaids$14,144.17
Your down payment is the seller’s equity. You take over the $385,825 balance, so the rest of the $464,000 price is paid at closing. A second mortgage can cover part of it. $92,319.24 is due at closing. Uses and sources reconcile at $478,144.17 each. Not a Closing Disclosure.