Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$155,700Cash toward the purchase price.
Closing costs + prepaids$12,545Not just lender fees.
Before credits & paid funds$168,245The complete starting cash picture.
Estimated remaining funds due at closing
$168,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,700.34
Your down payment$155,700.34
Closing costs + prepaids$12,544.54
Total buyer cash needed$168,244.88
Remaining funds due$168,244.88
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)$867.75
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$51.79
Fees + prepaids$12,544.54
Your down payment is the seller’s equity. You take over the $329,300 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $168,244.88 is due at closing. Uses and sources reconcile at $497,544.54 each. Not a Closing Disclosure.