Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$81,020Cash toward the purchase price.
Closing costs + prepaids$12,752Not just lender fees.
Before credits & paid funds$93,772The complete starting cash picture.
Estimated remaining funds due at closing
$93,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,019.92
Your down payment$81,019.92
Closing costs + prepaids$12,751.86
Total buyer cash needed$93,771.78
Remaining funds due$93,771.78
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)$18.75
Prepaid interest, first (12 days)$826.11
Fees + prepaids$12,751.86
Your down payment is the seller’s equity. You take over the $403,980 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $93,771.78 is due at closing. Uses and sources reconcile at $497,751.86 each. Not a Closing Disclosure.