Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$235,014Cash toward the purchase price.
Closing costs + prepaids$13,830Not just lender fees.
Before credits & paid funds$248,844The complete starting cash picture.
Estimated remaining funds due at closing
$248,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,014.49
Your down payment$235,014.49
Closing costs + prepaids$13,829.99
Total buyer cash needed$248,844.48
Remaining funds due$248,844.48
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 (25 days)$792.49
Fees + prepaids$13,829.99
Your down payment is the seller’s equity. You take over the $289,986 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $248,844.48 is due at closing. Uses and sources reconcile at $538,829.99 each. Not a Closing Disclosure.