Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$85,652Cash toward the purchase price.
Closing costs + prepaids$15,651Not just lender fees.
Before credits & paid funds$101,303The complete starting cash picture.
Estimated remaining funds due at closing
$101,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,651.67
Your down payment$85,651.67
Closing costs + prepaids$15,651.08
Total buyer cash needed$101,302.75
Remaining funds due$101,302.75
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)$1,312.50
Initial HOA (3 months)$471.00
Prepaid interest, first (25 days)$2,142.58
Fees + prepaids$15,651.08
Your down payment is the seller’s equity. You take over the $439,348 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $101,302.75 is due at closing. Uses and sources reconcile at $540,651.08 each. Not a Closing Disclosure.