Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$130,697Cash toward the purchase price.
Closing costs + prepaids$13,636Not just lender fees.
Before credits & paid funds$144,333The complete starting cash picture.
Estimated remaining funds due at closing
$144,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,697.08
Your down payment$130,697.08
Closing costs + prepaids$13,636.09
Total buyer cash needed$144,333.17
Remaining funds due$144,333.17
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)$1,046.00
Prepaid interest, first (28 days)$865.09
Fees + prepaids$13,636.09
Your down payment is the seller’s equity. You take over the $394,303 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $144,333.17 is due at closing. Uses and sources reconcile at $538,636.09 each. Not a Closing Disclosure.