Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$76,416Cash toward the purchase price.
Closing costs + prepaids$12,995Not just lender fees.
Before credits & paid funds$89,411The complete starting cash picture.
Estimated remaining funds due at closing
$89,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,416.28
Your down payment$76,416.28
Closing costs + prepaids$12,994.76
Total buyer cash needed$89,411.04
Remaining funds due$89,411.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,740.00
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)$421.00
Prepaid interest, first (18 days)$1,358.76
Fees + prepaids$12,994.76
Your down payment is the seller’s equity. You take over the $397,584 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $89,411.04 is due at closing. Uses and sources reconcile at $486,994.76 each. Not a Closing Disclosure.