Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$76,598Cash toward the purchase price.
Closing costs + prepaids$13,843Not just lender fees.
Before credits & paid funds$90,441The complete starting cash picture.
Estimated remaining funds due at closing
$90,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,598.01
Your down payment$76,598.01
Closing costs + prepaids$13,842.71
Total buyer cash needed$90,440.72
Remaining funds due$90,440.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$626.75
Prepaid interest, first (25 days)$1,890.96
Fees + prepaids$13,842.71
Your down payment is the seller’s equity. You take over the $408,402 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $90,440.72 is due at closing. Uses and sources reconcile at $498,842.71 each. Not a Closing Disclosure.