Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$76,668Cash toward the purchase price.
Closing costs + prepaids$11,780Not just lender fees.
Before credits & paid funds$88,448The complete starting cash picture.
Estimated remaining funds due at closing
$88,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,667.80
Your down payment$76,667.80
Closing costs + prepaids$11,780.06
Total buyer cash needed$88,447.86
Remaining funds due$88,447.86
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 (2 days)$140.56
Fees + prepaids$11,780.06
Your down payment is the seller’s equity. You take over the $398,332 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $88,447.86 is due at closing. Uses and sources reconcile at $486,780.06 each. Not a Closing Disclosure.