Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$120,769Cash toward the purchase price.
Closing costs + prepaids$14,643Not just lender fees.
Before credits & paid funds$135,412The complete starting cash picture.
Estimated remaining funds due at closing
$135,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,768.66
Your down payment$120,768.66
Closing costs + prepaids$14,643.15
Total buyer cash needed$135,411.81
Remaining funds due$135,411.81
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)$1,193.25
Prepaid interest, first (25 days)$1,724.90
Fees + prepaids$14,643.15
Your down payment is the seller’s equity. You take over the $404,231 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $135,411.81 is due at closing. Uses and sources reconcile at $539,643.15 each. Not a Closing Disclosure.