Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$74,285Cash toward the purchase price.
Closing costs + prepaids$13,650Not just lender fees.
Before credits & paid funds$87,935The complete starting cash picture.
Estimated remaining funds due at closing
$87,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,285.22
Your down payment$74,285.22
Closing costs + prepaids$13,649.95
Total buyer cash needed$87,935.17
Remaining funds due$87,935.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$348.75
Prepaid interest, first (25 days)$1,927.20
Fees + prepaids$13,649.95
Your down payment is the seller’s equity. You take over the $415,615 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $87,935.17 is due at closing. Uses and sources reconcile at $503,549.95 each. Not a Closing Disclosure.