Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$82,671Cash toward the purchase price.
Closing costs + prepaids$11,708Not just lender fees.
Before credits & paid funds$94,379The complete starting cash picture.
Estimated remaining funds due at closing
$94,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,670.85
Your down payment$82,670.85
Closing costs + prepaids$11,707.78
Total buyer cash needed$94,378.63
Remaining funds due$94,378.63
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)$356.25
Prepaid interest, first (1 days)$76.53
Fees + prepaids$11,707.78
Your down payment is the seller’s equity. You take over the $397,329 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $94,378.63 is due at closing. Uses and sources reconcile at $491,707.78 each. Not a Closing Disclosure.