Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$93,156Cash toward the purchase price.
Closing costs + prepaids$13,424Not just lender fees.
Before credits & paid funds$106,580The complete starting cash picture.
Estimated remaining funds due at closing
$106,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,155.98
Your down payment$93,155.98
Closing costs + prepaids$13,424.02
Total buyer cash needed$106,580.00
Remaining funds due$106,580.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,780.00
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)$1,195.00
Prepaid interest, first (31 days)$974.02
Fees + prepaids$13,424.02
Your down payment is the seller’s equity. You take over the $384,844 balance, so the rest of the $478,000 price is paid at closing. A second mortgage can cover part of it. $106,580.00 is due at closing. Uses and sources reconcile at $491,424.02 each. Not a Closing Disclosure.