Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,383Cash toward the purchase price.
Closing costs + prepaids$13,611Not just lender fees.
Before credits & paid funds$90,994The complete starting cash picture.
Estimated remaining funds due at closing
$90,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,382.98
Your down payment$77,382.98
Closing costs + prepaids$13,611.40
Total buyer cash needed$90,994.38
Remaining funds due$90,994.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,599.00
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)$282.75
Prepaid interest, first (31 days)$2,254.65
Fees + prepaids$13,611.40
Your down payment is the seller’s equity. You take over the $382,517 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $90,994.38 is due at closing. Uses and sources reconcile at $473,511.40 each. Not a Closing Disclosure.