Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$94,050Cash toward the purchase price.
Closing costs + prepaids$13,018Not just lender fees.
Before credits & paid funds$107,068The complete starting cash picture.
Estimated remaining funds due at closing
$107,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,050.31
Your down payment$94,050.31
Closing costs + prepaids$13,018.17
Total buyer cash needed$107,068.48
Remaining funds due$107,068.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$593.75
Prepaid interest, first (17 days)$1,199.42
Fees + prepaids$13,018.17
Your down payment is the seller’s equity. You take over the $380,950 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $107,068.48 is due at closing. Uses and sources reconcile at $488,018.17 each. Not a Closing Disclosure.