Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$28,054Cash toward the purchase price.
Closing costs + prepaids$15,546Not just lender fees.
Before credits & paid funds$43,600The complete starting cash picture.
Estimated remaining funds due at closing
$43,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,053.52
Your down payment$28,053.52
Closing costs + prepaids$15,546.13
Total buyer cash needed$43,599.66
Remaining funds due$43,599.66
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)$1,137.75
Initial HOA (3 months)$180.00
Prepaid interest, first (27 days)$2,503.38
Fees + prepaids$15,546.13
Your down payment is the seller’s equity. You take over the $496,946 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $43,599.66 is due at closing. Uses and sources reconcile at $540,546.13 each. Not a Closing Disclosure.