Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$59,816Cash toward the purchase price.
Closing costs + prepaids$15,617Not just lender fees.
Before credits & paid funds$75,433The complete starting cash picture.
Estimated remaining funds due at closing
$75,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,816.30
Your down payment$59,816.30
Closing costs + prepaids$15,616.76
Total buyer cash needed$75,433.07
Remaining funds due$75,433.07
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)$1,724.75
Initial HOA (3 months)$70.50
Prepaid interest, first (25 days)$2,096.51
Fees + prepaids$15,616.76
Your down payment is the seller’s equity. You take over the $465,184 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $75,433.07 is due at closing. Uses and sources reconcile at $540,616.76 each. Not a Closing Disclosure.