Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$78,151Cash toward the purchase price.
Closing costs + prepaids$12,140Not just lender fees.
Before credits & paid funds$90,290The complete starting cash picture.
Estimated remaining funds due at closing
$90,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,150.80
Your down payment$78,150.80
Closing costs + prepaids$12,139.51
Total buyer cash needed$90,290.30
Remaining funds due$90,290.30
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
Initial HOA (3 months)$126.75
Prepaid interest, first (7 days)$218.76
Fees + prepaids$12,139.51
Your down payment is the seller’s equity. You take over the $396,749 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $90,290.30 is due at closing. Uses and sources reconcile at $487,039.51 each. Not a Closing Disclosure.