Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$78,767Cash toward the purchase price.
Closing costs + prepaids$13,522Not just lender fees.
Before credits & paid funds$92,290The complete starting cash picture.
Estimated remaining funds due at closing
$92,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,767.44
Your down payment$78,767.44
Closing costs + prepaids$13,522.11
Total buyer cash needed$92,289.55
Remaining funds due$92,289.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.90
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)$581.25
Initial HOA (3 months)$501.00
Prepaid interest, first (17 days)$1,314.96
Fees + prepaids$13,522.11
Your down payment is the seller’s equity. You take over the $386,223 balance, so the rest of the $464,990 price is paid at closing. A second mortgage can cover part of it. $92,289.55 is due at closing. Uses and sources reconcile at $478,512.11 each. Not a Closing Disclosure.