Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$85,333Cash toward the purchase price.
Closing costs + prepaids$14,210Not just lender fees.
Before credits & paid funds$99,543The complete starting cash picture.
Estimated remaining funds due at closing
$99,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,333.05
Your down payment$85,333.05
Closing costs + prepaids$14,209.87
Total buyer cash needed$99,542.92
Remaining funds due$99,542.92
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)$673.75
Initial HOA (3 months)$711.00
Prepaid interest, first (20 days)$1,500.12
Fees + prepaids$14,209.87
Your down payment is the seller’s equity. You take over the $399,667 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $99,542.92 is due at closing. Uses and sources reconcile at $499,209.87 each. Not a Closing Disclosure.