Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$77,087Cash toward the purchase price.
Closing costs + prepaids$12,903Not just lender fees.
Before credits & paid funds$89,990The complete starting cash picture.
Estimated remaining funds due at closing
$89,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,086.56
Your down payment$77,086.56
Closing costs + prepaids$12,903.23
Total buyer cash needed$89,989.79
Remaining funds due$89,989.79
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)$414.50
Prepaid interest, first (18 days)$1,263.73
Fees + prepaids$12,903.23
Your down payment is the seller’s equity. You take over the $397,913 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $89,989.79 is due at closing. Uses and sources reconcile at $487,903.23 each. Not a Closing Disclosure.