Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$331,541Cash toward the purchase price.
Closing costs + prepaids$12,482Not just lender fees.
Before credits & paid funds$344,023The complete starting cash picture.
Estimated remaining funds due at closing
$344,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,541.17
Your down payment$331,541.17
Closing costs + prepaids$12,481.89
Total buyer cash needed$344,023.06
Remaining funds due$344,023.06
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)$787.50
Prepaid interest, first (23 days)$369.39
Fees + prepaids$12,481.89
Your down payment is the seller’s equity. You take over the $153,459 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $344,023.06 is due at closing. Uses and sources reconcile at $497,481.89 each. Not a Closing Disclosure.