Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$235,697Cash toward the purchase price.
Closing costs + prepaids$14,489Not just lender fees.
Before credits & paid funds$250,186The complete starting cash picture.
Estimated remaining funds due at closing
$250,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,697.15
Your down payment$235,697.15
Closing costs + prepaids$14,489.32
Total buyer cash needed$250,186.47
Remaining funds due$250,186.47
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)$2,151.75
Initial HOA (3 months)$30.00
Prepaid interest, first (25 days)$582.57
Fees + prepaids$14,489.32
Your down payment is the seller’s equity. You take over the $289,303 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $250,186.47 is due at closing. Uses and sources reconcile at $539,489.32 each. Not a Closing Disclosure.