Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,456Cash toward the purchase price.
Closing costs + prepaids$15,056Not just lender fees.
Before credits & paid funds$116,512The complete starting cash picture.
Estimated remaining funds due at closing
$116,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,456.41
Your down payment$101,456.41
Closing costs + prepaids$15,055.89
Total buyer cash needed$116,512.30
Remaining funds due$116,512.30
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)$2,018.39
Fees + prepaids$15,055.89
Your down payment is the seller’s equity. You take over the $423,544 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $116,512.30 is due at closing. Uses and sources reconcile at $540,055.89 each. Not a Closing Disclosure.