Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$217,207Cash toward the purchase price.
Closing costs + prepaids$11,854Not just lender fees.
Before credits & paid funds$229,062The complete starting cash picture.
Estimated remaining funds due at closing
$229,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,207.26
Your down payment$217,207.26
Closing costs + prepaids$11,854.42
Total buyer cash needed$229,061.68
Remaining funds due$229,061.68
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)$346.25
Initial HOA (3 months)$159.99
Prepaid interest, first (1 days)$23.18
Fees + prepaids$11,854.42
Your down payment is the seller’s equity. You take over the $267,793 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $229,061.68 is due at closing. Uses and sources reconcile at $496,854.42 each. Not a Closing Disclosure.