Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$86,356Cash toward the purchase price.
Closing costs + prepaids$16,310Not just lender fees.
Before credits & paid funds$102,666The complete starting cash picture.
Estimated remaining funds due at closing
$102,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,355.62
Your down payment$86,355.62
Closing costs + prepaids$16,310.20
Total buyer cash needed$102,665.82
Remaining funds due$102,665.82
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
Initial HOA (3 months)$861.00
Prepaid interest, first (29 days)$2,411.70
Fees + prepaids$16,310.20
Your down payment is the seller’s equity. You take over the $438,644 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $102,665.82 is due at closing. Uses and sources reconcile at $541,310.20 each. Not a Closing Disclosure.