Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$92,583Cash toward the purchase price.
Closing costs + prepaids$12,386Not just lender fees.
Before credits & paid funds$104,969The complete starting cash picture.
Estimated remaining funds due at closing
$104,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,583.07
Your down payment$92,583.07
Closing costs + prepaids$12,385.67
Total buyer cash needed$104,968.74
Remaining funds due$104,968.74
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)$632.25
Initial HOA (3 months)$285.00
Prepaid interest, first (2 days)$143.42
Fees + prepaids$12,385.67
Your down payment is the seller’s equity. You take over the $392,417 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $104,968.74 is due at closing. Uses and sources reconcile at $497,385.67 each. Not a Closing Disclosure.