Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$200,396Cash toward the purchase price.
Closing costs + prepaids$13,114Not just lender fees.
Before credits & paid funds$213,509The complete starting cash picture.
Estimated remaining funds due at closing
$213,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,395.69
Your down payment$200,395.69
Closing costs + prepaids$13,113.69
Total buyer cash needed$213,509.38
Remaining funds due$213,509.38
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)$1,373.25
Prepaid interest, first (18 days)$415.44
Fees + prepaids$13,113.69
Your down payment is the seller’s equity. You take over the $284,604 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $213,509.38 is due at closing. Uses and sources reconcile at $498,113.69 each. Not a Closing Disclosure.