Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$472,156Cash toward the purchase price.
Closing costs + prepaids$13,178Not just lender fees.
Before credits & paid funds$485,335The complete starting cash picture.
Estimated remaining funds due at closing
$485,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$472,156.12
Your down payment$472,156.12
Closing costs + prepaids$13,178.48
Total buyer cash needed$485,334.60
Remaining funds due$485,334.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,551.25
Initial HOA (3 months)$87.51
Prepaid interest, first (30 days)$114.72
Fees + prepaids$13,178.48
Your down payment is the seller’s equity. You take over the $22,844 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $485,334.60 is due at closing. Uses and sources reconcile at $508,178.48 each. Not a Closing Disclosure.