Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$10,147Cash toward the purchase price.
Closing costs + prepaids$14,566Not just lender fees.
Before credits & paid funds$24,712The complete starting cash picture.
Estimated remaining funds due at closing
$24,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,146.76
Your down payment$10,146.76
Closing costs + prepaids$14,565.69
Total buyer cash needed$24,712.44
Remaining funds due$24,712.44
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)$463.75
Initial HOA (3 months)$213.00
Prepaid interest, first (23 days)$2,163.94
Fees + prepaids$14,565.69
Your down payment is the seller’s equity. You take over the $514,853 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $24,712.44 is due at closing. Uses and sources reconcile at $539,565.69 each. Not a Closing Disclosure.