Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$64,257Cash toward the purchase price.
Closing costs + prepaids$14,194Not just lender fees.
Before credits & paid funds$78,451The complete starting cash picture.
Estimated remaining funds due at closing
$78,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,256.90
Your down payment$64,256.90
Closing costs + prepaids$14,194.10
Total buyer cash needed$78,451.01
Remaining funds due$78,451.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$626.25
Prepaid interest, first (30 days)$2,292.85
Fees + prepaids$14,194.10
Your down payment is the seller’s equity. You take over the $415,743 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $78,451.01 is due at closing. Uses and sources reconcile at $494,194.10 each. Not a Closing Disclosure.