Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$74,926Cash toward the purchase price.
Closing costs + prepaids$12,708Not just lender fees.
Before credits & paid funds$87,634The complete starting cash picture.
Estimated remaining funds due at closing
$87,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,926.42
Your down payment$74,926.42
Closing costs + prepaids$12,707.91
Total buyer cash needed$87,634.33
Remaining funds due$87,634.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$570.00
Prepaid interest, first (12 days)$913.91
Fees + prepaids$12,707.91
Your down payment is the seller’s equity. You take over the $399,974 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $87,634.33 is due at closing. Uses and sources reconcile at $487,607.91 each. Not a Closing Disclosure.