Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$65,334Cash toward the purchase price.
Closing costs + prepaids$13,524Not just lender fees.
Before credits & paid funds$78,858The complete starting cash picture.
Estimated remaining funds due at closing
$78,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,334.21
Your down payment$65,334.21
Closing costs + prepaids$13,523.66
Total buyer cash needed$78,857.87
Remaining funds due$78,857.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,810.00
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)$630.00
Initial HOA (3 months)$252.00
Prepaid interest, first (19 days)$1,356.66
Fees + prepaids$13,523.66
Your down payment is the seller’s equity. You take over the $415,666 balance, so the rest of the $481,000 price is paid at closing. A second mortgage can cover part of it. $78,857.87 is due at closing. Uses and sources reconcile at $494,523.66 each. Not a Closing Disclosure.