Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$373,106Cash toward the purchase price.
Closing costs + prepaids$12,468Not just lender fees.
Before credits & paid funds$385,574The complete starting cash picture.
Estimated remaining funds due at closing
$385,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,105.80
Your down payment$373,105.80
Closing costs + prepaids$12,468.28
Total buyer cash needed$385,574.08
Remaining funds due$385,574.08
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)$365.75
Prepaid interest, first (28 days)$377.53
Fees + prepaids$12,468.28
Your down payment is the seller’s equity. You take over the $151,894 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $385,574.08 is due at closing. Uses and sources reconcile at $537,468.28 each. Not a Closing Disclosure.