Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,533Cash toward the purchase price.
Closing costs + prepaids$15,198Not just lender fees.
Before credits & paid funds$96,730The complete starting cash picture.
Estimated remaining funds due at closing
$96,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,532.69
Your down payment$81,532.69
Closing costs + prepaids$15,197.73
Total buyer cash needed$96,730.42
Remaining funds due$96,730.42
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
Prepaid interest, first (28 days)$2,160.23
Fees + prepaids$15,197.73
Your down payment is the seller’s equity. You take over the $443,467 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $96,730.42 is due at closing. Uses and sources reconcile at $540,197.73 each. Not a Closing Disclosure.