Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$283,536Cash toward the purchase price.
Closing costs + prepaids$12,310Not just lender fees.
Before credits & paid funds$295,846The complete starting cash picture.
Estimated remaining funds due at closing
$295,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,536.09
Your down payment$283,536.09
Closing costs + prepaids$12,310.38
Total buyer cash needed$295,846.47
Remaining funds due$295,846.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,855.00
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)$551.00
Prepaid interest, first (20 days)$429.38
Fees + prepaids$12,310.38
Your down payment is the seller’s equity. You take over the $201,964 balance, so the rest of the $485,500 price is paid at closing. A second mortgage can cover part of it. $295,846.47 is due at closing. Uses and sources reconcile at $497,810.38 each. Not a Closing Disclosure.