Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$74,656Cash toward the purchase price.
Closing costs + prepaids$14,339Not just lender fees.
Before credits & paid funds$88,995The complete starting cash picture.
Estimated remaining funds due at closing
$88,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,656.01
Your down payment$74,656.01
Closing costs + prepaids$14,338.79
Total buyer cash needed$88,994.80
Remaining funds due$88,994.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,799.00
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)$659.25
Initial HOA (3 months)$360.00
Prepaid interest, first (28 days)$2,045.54
Fees + prepaids$14,338.79
Your down payment is the seller’s equity. You take over the $405,244 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $88,994.80 is due at closing. Uses and sources reconcile at $494,238.79 each. Not a Closing Disclosure.