Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$65,885Cash toward the purchase price.
Closing costs + prepaids$15,018Not just lender fees.
Before credits & paid funds$80,903The complete starting cash picture.
Estimated remaining funds due at closing
$80,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,884.87
Your down payment$65,884.87
Closing costs + prepaids$15,018.01
Total buyer cash needed$80,902.88
Remaining funds due$80,902.88
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)$763.00
Initial HOA (3 months)$243.99
Prepaid interest, first (26 days)$2,286.02
Fees + prepaids$15,018.01
Your down payment is the seller’s equity. You take over the $459,115 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $80,902.88 is due at closing. Uses and sources reconcile at $540,018.01 each. Not a Closing Disclosure.