Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$73,108Cash toward the purchase price.
Closing costs + prepaids$15,204Not just lender fees.
Before credits & paid funds$88,312The complete starting cash picture.
Estimated remaining funds due at closing
$88,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,108.12
Your down payment$73,108.12
Closing costs + prepaids$15,204.16
Total buyer cash needed$88,312.29
Remaining funds due$88,312.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,820.00
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)$1,564.75
Initial HOA (3 months)$55.74
Prepaid interest, first (30 days)$2,288.67
Fees + prepaids$15,204.16
Your down payment is the seller’s equity. You take over the $408,892 balance, so the rest of the $482,000 price is paid at closing. A second mortgage can cover part of it. $88,312.29 is due at closing. Uses and sources reconcile at $497,204.16 each. Not a Closing Disclosure.