Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$93,288Cash toward the purchase price.
Closing costs + prepaids$11,896Not just lender fees.
Before credits & paid funds$105,185The complete starting cash picture.
Estimated remaining funds due at closing
$105,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,288.28
Your down payment$93,288.28
Closing costs + prepaids$11,896.37
Total buyer cash needed$105,184.64
Remaining funds due$105,184.64
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)$370.25
Initial HOA (3 months)$144.99
Prepaid interest, first (1 days)$56.13
Fees + prepaids$11,896.37
Your down payment is the seller’s equity. You take over the $391,712 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $105,184.64 is due at closing. Uses and sources reconcile at $496,896.37 each. Not a Closing Disclosure.