Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$291,985Cash toward the purchase price.
Closing costs + prepaids$12,365Not just lender fees.
Before credits & paid funds$304,351The complete starting cash picture.
Estimated remaining funds due at closing
$304,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,985.15
Your down payment$291,985.15
Closing costs + prepaids$12,365.42
Total buyer cash needed$304,350.57
Remaining funds due$304,350.57
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)$498.50
Prepaid interest, first (24 days)$541.92
Fees + prepaids$12,365.42
Your down payment is the seller’s equity. You take over the $193,015 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $304,350.57 is due at closing. Uses and sources reconcile at $497,365.42 each. Not a Closing Disclosure.