Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$255,565Cash toward the purchase price.
Closing costs + prepaids$13,585Not just lender fees.
Before credits & paid funds$269,150The complete starting cash picture.
Estimated remaining funds due at closing
$269,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,565.32
Your down payment$255,565.32
Closing costs + prepaids$13,585.16
Total buyer cash needed$269,150.48
Remaining funds due$269,150.48
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)$2,243.50
Prepaid interest, first (1 days)$16.66
Fees + prepaids$13,585.16
Your down payment is the seller’s equity. You take over the $229,435 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $269,150.48 is due at closing. Uses and sources reconcile at $498,585.16 each. Not a Closing Disclosure.