Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,874Cash toward the purchase price.
Closing costs + prepaids$13,228Not just lender fees.
Before credits & paid funds$103,102The complete starting cash picture.
Estimated remaining funds due at closing
$103,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,874.11
Your down payment$89,874.11
Closing costs + prepaids$13,228.38
Total buyer cash needed$103,102.49
Remaining funds due$103,102.49
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)$1,185.75
Prepaid interest, first (27 days)$817.63
Fees + prepaids$13,228.38
Your down payment is the seller’s equity. You take over the $385,126 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $103,102.49 is due at closing. Uses and sources reconcile at $488,228.38 each. Not a Closing Disclosure.