Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$268,304Cash toward the purchase price.
Closing costs + prepaids$14,197Not just lender fees.
Before credits & paid funds$282,502The complete starting cash picture.
Estimated remaining funds due at closing
$282,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,304.44
Your down payment$268,304.44
Closing costs + prepaids$14,197.46
Total buyer cash needed$282,501.91
Remaining funds due$282,501.91
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)$2,307.75
Prepaid interest, first (29 days)$564.71
Fees + prepaids$14,197.46
Your down payment is the seller’s equity. You take over the $216,696 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $282,501.91 is due at closing. Uses and sources reconcile at $499,197.46 each. Not a Closing Disclosure.