Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$411,711Cash toward the purchase price.
Closing costs + prepaids$12,669Not just lender fees.
Before credits & paid funds$424,380The complete starting cash picture.
Estimated remaining funds due at closing
$424,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,711.10
Your down payment$411,711.10
Closing costs + prepaids$12,669.10
Total buyer cash needed$424,380.19
Remaining funds due$424,380.19
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)$642.25
Initial HOA (3 months)$69.00
Prepaid interest, first (22 days)$232.85
Fees + prepaids$12,669.10
Your down payment is the seller’s equity. You take over the $113,289 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $424,380.19 is due at closing. Uses and sources reconcile at $537,669.10 each. Not a Closing Disclosure.