Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$25,240Cash toward the purchase price.
Closing costs + prepaids$16,297Not just lender fees.
Before credits & paid funds$41,538The complete starting cash picture.
Estimated remaining funds due at closing
$41,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,240.43
Your down payment$25,240.43
Closing costs + prepaids$16,297.27
Total buyer cash needed$41,537.70
Remaining funds due$41,537.70
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)$1,350.00
Prepaid interest, first (22 days)$1,909.77
Fees + prepaids$16,297.27
Your down payment is the seller’s equity. You take over the $499,760 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $41,537.70 is due at closing. Uses and sources reconcile at $541,297.27 each. Not a Closing Disclosure.