Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$161,118Cash toward the purchase price.
Closing costs + prepaids$12,308Not just lender fees.
Before credits & paid funds$173,427The complete starting cash picture.
Estimated remaining funds due at closing
$173,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,118.30
Your down payment$161,118.30
Closing costs + prepaids$12,308.24
Total buyer cash needed$173,426.55
Remaining funds due$173,426.55
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)$560.00
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$27.24
Fees + prepaids$12,308.24
Your down payment is the seller’s equity. You take over the $323,882 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $173,426.55 is due at closing. Uses and sources reconcile at $497,308.24 each. Not a Closing Disclosure.