Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$172,414Cash toward the purchase price.
Closing costs + prepaids$12,958Not just lender fees.
Before credits & paid funds$185,372The complete starting cash picture.
Estimated remaining funds due at closing
$185,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,414.00
Your down payment$172,414.00
Closing costs + prepaids$12,958.33
Total buyer cash needed$185,372.34
Remaining funds due$185,372.34
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)$1,212.50
Prepaid interest, first (18 days)$420.83
Fees + prepaids$12,958.33
Your down payment is the seller’s equity. You take over the $312,586 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $185,372.34 is due at closing. Uses and sources reconcile at $497,958.33 each. Not a Closing Disclosure.