Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$85,333Cash toward the purchase price.
Closing costs + prepaids$13,293Not just lender fees.
Before credits & paid funds$98,626The complete starting cash picture.
Estimated remaining funds due at closing
$98,626No 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$13,293.05
Total buyer cash needed$98,626.10
Remaining funds due$98,626.10
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)$582.00
Initial HOA (3 months)$711.00
Prepaid interest, first (9 days)$675.05
Fees + prepaids$13,293.05
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. $98,626.10 is due at closing. Uses and sources reconcile at $498,293.05 each. Not a Closing Disclosure.