Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$115,891Cash toward the purchase price.
Closing costs + prepaids$14,449Not just lender fees.
Before credits & paid funds$130,340The complete starting cash picture.
Estimated remaining funds due at closing
$130,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,891.08
Your down payment$115,891.08
Closing costs + prepaids$14,449.33
Total buyer cash needed$130,340.41
Remaining funds due$130,340.41
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)$1,212.50
Initial HOA (3 months)$1,056.00
Prepaid interest, first (31 days)$855.83
Fees + prepaids$14,449.33
Your down payment is the seller’s equity. You take over the $369,109 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $130,340.41 is due at closing. Uses and sources reconcile at $499,449.33 each. Not a Closing Disclosure.