Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$83,633Cash toward the purchase price.
Closing costs + prepaids$14,731Not just lender fees.
Before credits & paid funds$98,364The complete starting cash picture.
Estimated remaining funds due at closing
$98,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,633.25
Your down payment$83,633.25
Closing costs + prepaids$14,730.67
Total buyer cash needed$98,363.93
Remaining funds due$98,363.93
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)$1,320.75
Initial HOA (3 months)$342.00
Prepaid interest, first (25 days)$1,742.92
Fees + prepaids$14,730.67
Your down payment is the seller’s equity. You take over the $401,367 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $98,363.93 is due at closing. Uses and sources reconcile at $499,730.67 each. Not a Closing Disclosure.