Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$100,641Cash toward the purchase price.
Closing costs + prepaids$12,324Not just lender fees.
Before credits & paid funds$112,965The complete starting cash picture.
Estimated remaining funds due at closing
$112,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,641.49
Your down payment$100,641.49
Closing costs + prepaids$12,323.92
Total buyer cash needed$112,965.42
Remaining funds due$112,965.42
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)$570.00
Prepaid interest, first (9 days)$528.92
Fees + prepaids$12,323.92
Your down payment is the seller’s equity. You take over the $374,359 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $112,965.42 is due at closing. Uses and sources reconcile at $487,323.92 each. Not a Closing Disclosure.