Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$342,833Cash toward the purchase price.
Closing costs + prepaids$13,211Not just lender fees.
Before credits & paid funds$356,044The complete starting cash picture.
Estimated remaining funds due at closing
$356,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,832.76
Your down payment$342,832.76
Closing costs + prepaids$13,210.87
Total buyer cash needed$356,043.62
Remaining funds due$356,043.62
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)$1,491.50
Prepaid interest, first (27 days)$394.37
Fees + prepaids$13,210.87
Your down payment is the seller’s equity. You take over the $142,167 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $356,043.62 is due at closing. Uses and sources reconcile at $498,210.87 each. Not a Closing Disclosure.