Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,950Cash toward the purchase price.
Closing costs + prepaids$14,855Not just lender fees.
Before credits & paid funds$98,806The complete starting cash picture.
Estimated remaining funds due at closing
$98,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,950.34
Your down payment$83,950.34
Closing costs + prepaids$14,855.20
Total buyer cash needed$98,805.54
Remaining funds due$98,805.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,499.25
Prepaid interest, first (30 days)$2,130.95
Fees + prepaids$14,855.20
Your down payment is the seller’s equity. You take over the $391,050 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $98,805.54 is due at closing. Uses and sources reconcile at $489,855.20 each. Not a Closing Disclosure.