Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$73,708Cash toward the purchase price.
Closing costs + prepaids$14,080Not just lender fees.
Before credits & paid funds$87,787The complete starting cash picture.
Estimated remaining funds due at closing
$87,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,707.69
Your down payment$73,707.69
Closing costs + prepaids$14,079.66
Total buyer cash needed$87,787.36
Remaining funds due$87,787.36
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)$1,187.50
Initial HOA (3 months)$375.00
Prepaid interest, first (23 days)$1,292.16
Fees + prepaids$14,079.66
Your down payment is the seller’s equity. You take over the $401,292 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $87,787.36 is due at closing. Uses and sources reconcile at $489,079.66 each. Not a Closing Disclosure.