Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$46,482Cash toward the purchase price.
Closing costs + prepaids$15,563Not just lender fees.
Before credits & paid funds$62,044The complete starting cash picture.
Estimated remaining funds due at closing
$62,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,481.57
Your down payment$46,481.57
Closing costs + prepaids$15,562.75
Total buyer cash needed$62,044.32
Remaining funds due$62,044.32
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)$1,673.00
Initial HOA (3 months)$290.01
Prepaid interest, first (26 days)$1,874.74
Fees + prepaids$15,562.75
Your down payment is the seller’s equity. You take over the $478,518 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $62,044.32 is due at closing. Uses and sources reconcile at $540,562.75 each. Not a Closing Disclosure.