Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$83,686Cash toward the purchase price.
Closing costs + prepaids$12,818Not just lender fees.
Before credits & paid funds$96,504The complete starting cash picture.
Estimated remaining funds due at closing
$96,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,686.26
Your down payment$83,686.26
Closing costs + prepaids$12,818.00
Total buyer cash needed$96,504.27
Remaining funds due$96,504.27
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)$375.00
Prepaid interest, first (21 days)$1,218.00
Fees + prepaids$12,818.00
Your down payment is the seller’s equity. You take over the $391,314 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $96,504.27 is due at closing. Uses and sources reconcile at $487,818.00 each. Not a Closing Disclosure.