Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$182,275Cash toward the purchase price.
Closing costs + prepaids$12,907Not just lender fees.
Before credits & paid funds$195,182The complete starting cash picture.
Estimated remaining funds due at closing
$195,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,275.32
Your down payment$182,275.32
Closing costs + prepaids$12,906.63
Total buyer cash needed$195,181.95
Remaining funds due$195,181.95
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)$1,556.00
Prepaid interest, first (1 days)$25.63
Fees + prepaids$12,906.63
Your down payment is the seller’s equity. You take over the $302,725 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $195,181.95 is due at closing. Uses and sources reconcile at $497,906.63 each. Not a Closing Disclosure.