Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$161,107Cash toward the purchase price.
Closing costs + prepaids$13,945Not just lender fees.
Before credits & paid funds$175,051The complete starting cash picture.
Estimated remaining funds due at closing
$175,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,106.76
Your down payment$161,106.76
Closing costs + prepaids$13,944.74
Total buyer cash needed$175,051.50
Remaining funds due$175,051.50
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
Prepaid interest, first (26 days)$907.24
Fees + prepaids$13,944.74
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $175,051.50 is due at closing. Uses and sources reconcile at $538,944.74 each. Not a Closing Disclosure.