Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,987Cash toward the purchase price.
Closing costs + prepaids$14,288Not just lender fees.
Before credits & paid funds$91,275The complete starting cash picture.
Estimated remaining funds due at closing
$91,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,986.98
Your down payment$76,986.98
Closing costs + prepaids$14,288.17
Total buyer cash needed$91,275.15
Remaining funds due$91,275.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$464.75
Prepaid interest, first (31 days)$2,358.42
Fees + prepaids$14,288.17
Your down payment is the seller’s equity. You take over the $422,013 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $91,275.15 is due at closing. Uses and sources reconcile at $513,288.17 each. Not a Closing Disclosure.