Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$87,158Cash toward the purchase price.
Closing costs + prepaids$12,627Not just lender fees.
Before credits & paid funds$99,785The complete starting cash picture.
Estimated remaining funds due at closing
$99,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,158.43
Your down payment$87,158.43
Closing costs + prepaids$12,626.89
Total buyer cash needed$99,785.33
Remaining funds due$99,785.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$726.75
Prepaid interest, first (24 days)$775.14
Fees + prepaids$12,626.89
Your down payment is the seller’s equity. You take over the $377,842 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $99,785.33 is due at closing. Uses and sources reconcile at $477,626.89 each. Not a Closing Disclosure.