Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$252,745Cash toward the purchase price.
Closing costs + prepaids$13,058Not just lender fees.
Before credits & paid funds$265,803The complete starting cash picture.
Estimated remaining funds due at closing
$265,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,744.57
Your down payment$252,744.57
Closing costs + prepaids$13,058.12
Total buyer cash needed$265,802.69
Remaining funds due$265,802.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$1,042.00
Initial HOA (3 months)$87.51
Prepaid interest, first (31 days)$603.61
Fees + prepaids$13,058.12
Your down payment is the seller’s equity. You take over the $232,255 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $265,802.69 is due at closing. Uses and sources reconcile at $498,058.12 each. Not a Closing Disclosure.