Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$359,218Cash toward the purchase price.
Closing costs + prepaids$13,308Not just lender fees.
Before credits & paid funds$372,525The complete starting cash picture.
Estimated remaining funds due at closing
$372,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,217.56
Your down payment$359,217.56
Closing costs + prepaids$13,307.56
Total buyer cash needed$372,525.12
Remaining funds due$372,525.12
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)$868.00
Initial HOA (3 months)$147.99
Prepaid interest, first (27 days)$566.57
Fees + prepaids$13,307.56
Your down payment is the seller’s equity. You take over the $165,782 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $372,525.12 is due at closing. Uses and sources reconcile at $538,307.56 each. Not a Closing Disclosure.