Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$116,827Cash toward the purchase price.
Closing costs + prepaids$13,430Not just lender fees.
Before credits & paid funds$130,257The complete starting cash picture.
Estimated remaining funds due at closing
$130,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,827.16
Your down payment$116,827.16
Closing costs + prepaids$13,429.95
Total buyer cash needed$130,257.11
Remaining funds due$130,257.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$1,197.50
Prepaid interest, first (30 days)$967.45
Fees + prepaids$13,429.95
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $130,257.11 is due at closing. Uses and sources reconcile at $492,429.95 each. Not a Closing Disclosure.