Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$51,828Cash toward the purchase price.
Closing costs + prepaids$15,095Not just lender fees.
Before credits & paid funds$66,923The complete starting cash picture.
Estimated remaining funds due at closing
$66,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,828.12
Your down payment$51,828.12
Closing costs + prepaids$15,095.32
Total buyer cash needed$66,923.43
Remaining funds due$66,923.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
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)$757.50
Prepaid interest, first (29 days)$2,612.82
Fees + prepaids$15,095.32
Your down payment is the seller’s equity. You take over the $473,172 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $66,923.43 is due at closing. Uses and sources reconcile at $540,095.32 each. Not a Closing Disclosure.