Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$105,747Cash toward the purchase price.
Closing costs + prepaids$13,522Not just lender fees.
Before credits & paid funds$119,270The complete starting cash picture.
Estimated remaining funds due at closing
$119,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,747.34
Your down payment$105,747.34
Closing costs + prepaids$13,522.21
Total buyer cash needed$119,269.55
Remaining funds due$119,269.55
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)$1,212.50
Prepaid interest, first (27 days)$984.71
Fees + prepaids$13,522.21
Your down payment is the seller’s equity. You take over the $379,253 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $119,269.55 is due at closing. Uses and sources reconcile at $498,522.21 each. Not a Closing Disclosure.