Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$126,826Cash toward the purchase price.
Closing costs + prepaids$16,120Not just lender fees.
Before credits & paid funds$142,946The complete starting cash picture.
Estimated remaining funds due at closing
$142,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,825.81
Your down payment$126,825.81
Closing costs + prepaids$16,119.83
Total buyer cash needed$142,945.64
Remaining funds due$142,945.64
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)$2,498.75
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$1,686.08
Fees + prepaids$16,119.83
Your down payment is the seller’s equity. You take over the $398,174 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $142,945.64 is due at closing. Uses and sources reconcile at $541,119.83 each. Not a Closing Disclosure.