Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$90,437Cash toward the purchase price.
Closing costs + prepaids$13,409Not just lender fees.
Before credits & paid funds$103,846The complete starting cash picture.
Estimated remaining funds due at closing
$103,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,436.89
Your down payment$90,436.89
Closing costs + prepaids$13,408.70
Total buyer cash needed$103,845.59
Remaining funds due$103,845.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,655.00
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)$650.00
Prepaid interest, first (25 days)$1,628.70
Fees + prepaids$13,408.70
Your down payment is the seller’s equity. You take over the $375,063 balance, so the rest of the $465,500 price is paid at closing. A second mortgage can cover part of it. $103,845.59 is due at closing. Uses and sources reconcile at $478,908.70 each. Not a Closing Disclosure.