Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$86,273Cash toward the purchase price.
Closing costs + prepaids$14,051Not just lender fees.
Before credits & paid funds$100,324The complete starting cash picture.
Estimated remaining funds due at closing
$100,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,273.08
Your down payment$86,273.08
Closing costs + prepaids$14,051.30
Total buyer cash needed$100,324.38
Remaining funds due$100,324.38
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)$459.00
Initial HOA (3 months)$249.00
Prepaid interest, first (30 days)$2,118.30
Fees + prepaids$14,051.30
Your down payment is the seller’s equity. You take over the $388,727 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $100,324.38 is due at closing. Uses and sources reconcile at $489,051.30 each. Not a Closing Disclosure.