Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$93,891Cash toward the purchase price.
Closing costs + prepaids$13,297Not just lender fees.
Before credits & paid funds$107,188The complete starting cash picture.
Estimated remaining funds due at closing
$107,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,890.77
Your down payment$93,890.77
Closing costs + prepaids$13,297.31
Total buyer cash needed$107,188.08
Remaining funds due$107,188.08
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 (26 days)$1,457.07
Fees + prepaids$13,297.31
Your down payment is the seller’s equity. You take over the $391,109 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $107,188.08 is due at closing. Uses and sources reconcile at $498,297.31 each. Not a Closing Disclosure.