Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$76,416Cash toward the purchase price.
Closing costs + prepaids$13,448Not just lender fees.
Before credits & paid funds$89,864The complete starting cash picture.
Estimated remaining funds due at closing
$89,864No 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$13,447.67
Total buyer cash needed$89,863.95
Remaining funds due$89,863.95
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 (24 days)$1,811.67
Fees + prepaids$13,447.67
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. $89,863.95 is due at closing. Uses and sources reconcile at $487,447.67 each. Not a Closing Disclosure.