Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$163,163Cash toward the purchase price.
Closing costs + prepaids$14,633Not just lender fees.
Before credits & paid funds$177,796The complete starting cash picture.
Estimated remaining funds due at closing
$177,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,162.53
Your down payment$163,162.53
Closing costs + prepaids$14,633.43
Total buyer cash needed$177,795.95
Remaining funds due$177,795.95
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)$1,305.00
Prepaid interest, first (30 days)$790.93
Fees + prepaids$14,633.43
Your down payment is the seller’s equity. You take over the $321,837 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $177,795.95 is due at closing. Uses and sources reconcile at $499,633.43 each. Not a Closing Disclosure.