Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$234,472Cash toward the purchase price.
Closing costs + prepaids$14,341Not just lender fees.
Before credits & paid funds$248,812The complete starting cash picture.
Estimated remaining funds due at closing
$248,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,471.53
Your down payment$234,471.53
Closing costs + prepaids$14,340.72
Total buyer cash needed$248,812.25
Remaining funds due$248,812.25
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)$1,730.75
Initial HOA (3 months)$279.00
Prepaid interest, first (23 days)$605.97
Fees + prepaids$14,340.72
Your down payment is the seller’s equity. You take over the $290,528 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $248,812.25 is due at closing. Uses and sources reconcile at $539,340.72 each. Not a Closing Disclosure.