Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$76,039Cash toward the purchase price.
Closing costs + prepaids$11,712Not just lender fees.
Before credits & paid funds$87,750The complete starting cash picture.
Estimated remaining funds due at closing
$87,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,038.54
Your down payment$76,038.54
Closing costs + prepaids$11,711.56
Total buyer cash needed$87,750.09
Remaining funds due$87,750.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,740.00
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)$421.00
Prepaid interest, first (1 days)$75.56
Fees + prepaids$11,711.56
Your down payment is the seller’s equity. You take over the $397,961 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $87,750.09 is due at closing. Uses and sources reconcile at $485,711.56 each. Not a Closing Disclosure.