Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$119,733Cash toward the purchase price.
Closing costs + prepaids$11,821Not just lender fees.
Before credits & paid funds$131,554The complete starting cash picture.
Estimated remaining funds due at closing
$131,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,732.80
Your down payment$119,732.80
Closing costs + prepaids$11,821.15
Total buyer cash needed$131,553.94
Remaining funds due$131,553.94
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)$432.50
Prepaid interest, first (1 days)$63.65
Fees + prepaids$11,821.15
Your down payment is the seller’s equity. You take over the $365,267 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $131,553.94 is due at closing. Uses and sources reconcile at $496,821.15 each. Not a Closing Disclosure.