Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$138,629Cash toward the purchase price.
Closing costs + prepaids$13,660Not just lender fees.
Before credits & paid funds$152,289The complete starting cash picture.
Estimated remaining funds due at closing
$152,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,628.75
Your down payment$138,628.75
Closing costs + prepaids$13,659.83
Total buyer cash needed$152,288.58
Remaining funds due$152,288.58
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)$506.75
Prepaid interest, first (28 days)$1,828.08
Fees + prepaids$13,659.83
Your down payment is the seller’s equity. You take over the $346,371 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $152,288.58 is due at closing. Uses and sources reconcile at $498,659.83 each. Not a Closing Disclosure.