Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$233,891Cash toward the purchase price.
Closing costs + prepaids$12,786Not just lender fees.
Before credits & paid funds$246,677The complete starting cash picture.
Estimated remaining funds due at closing
$246,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,891.38
Your down payment$233,891.38
Closing costs + prepaids$12,785.82
Total buyer cash needed$246,677.20
Remaining funds due$246,677.20
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)$402.50
Initial HOA (3 months)$17.01
Prepaid interest, first (22 days)$1,041.31
Fees + prepaids$12,785.82
Your down payment is the seller’s equity. You take over the $251,109 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $246,677.20 is due at closing. Uses and sources reconcile at $497,785.82 each. Not a Closing Disclosure.