Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,426Cash toward the purchase price.
Closing costs + prepaids$14,736Not just lender fees.
Before credits & paid funds$67,162The complete starting cash picture.
Estimated remaining funds due at closing
$67,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,425.99
Your down payment$52,425.99
Closing costs + prepaids$14,736.15
Total buyer cash needed$67,162.13
Remaining funds due$67,162.13
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)$654.75
Prepaid interest, first (28 days)$2,356.40
Fees + prepaids$14,736.15
Your down payment is the seller’s equity. You take over the $472,574 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $67,162.13 is due at closing. Uses and sources reconcile at $539,736.15 each. Not a Closing Disclosure.