Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$402,199Cash toward the purchase price.
Closing costs + prepaids$11,721Not just lender fees.
Before credits & paid funds$413,920The complete starting cash picture.
Estimated remaining funds due at closing
$413,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,199.34
Your down payment$402,199.34
Closing costs + prepaids$11,720.81
Total buyer cash needed$413,920.15
Remaining funds due$413,920.15
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)$308.50
Initial HOA (3 months)$75.99
Prepaid interest, first (1 days)$11.32
Fees + prepaids$11,720.81
Your down payment is the seller’s equity. You take over the $82,801 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $413,920.15 is due at closing. Uses and sources reconcile at $496,720.81 each. Not a Closing Disclosure.