Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$164,853Cash toward the purchase price.
Closing costs + prepaids$13,440Not just lender fees.
Before credits & paid funds$178,294The complete starting cash picture.
Estimated remaining funds due at closing
$178,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,853.30
Your down payment$164,853.30
Closing costs + prepaids$13,440.44
Total buyer cash needed$178,293.74
Remaining funds due$178,293.74
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)$905.25
Initial HOA (3 months)$450.00
Prepaid interest, first (27 days)$760.19
Fees + prepaids$13,440.44
Your down payment is the seller’s equity. You take over the $320,147 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $178,293.74 is due at closing. Uses and sources reconcile at $498,440.44 each. Not a Closing Disclosure.