Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$120,182Cash toward the purchase price.
Closing costs + prepaids$13,537Not just lender fees.
Before credits & paid funds$133,719The complete starting cash picture.
Estimated remaining funds due at closing
$133,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,181.53
Your down payment$120,181.53
Closing costs + prepaids$13,537.41
Total buyer cash needed$133,718.95
Remaining funds due$133,718.95
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)$432.50
Prepaid interest, first (28 days)$1,779.91
Fees + prepaids$13,537.41
Your down payment is the seller’s equity. You take over the $364,818 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $133,718.95 is due at closing. Uses and sources reconcile at $498,537.41 each. Not a Closing Disclosure.