Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$195,726Cash toward the purchase price.
Closing costs + prepaids$12,956Not just lender fees.
Before credits & paid funds$208,683The complete starting cash picture.
Estimated remaining funds due at closing
$208,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,726.26
Your down payment$195,726.26
Closing costs + prepaids$12,956.31
Total buyer cash needed$208,682.57
Remaining funds due$208,682.57
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)$800.25
Initial HOA (3 months)$243.00
Prepaid interest, first (28 days)$588.06
Fees + prepaids$12,956.31
Your down payment is the seller’s equity. You take over the $289,274 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $208,682.57 is due at closing. Uses and sources reconcile at $497,956.31 each. Not a Closing Disclosure.