Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$115,278Cash toward the purchase price.
Closing costs + prepaids$14,019Not just lender fees.
Before credits & paid funds$129,296The complete starting cash picture.
Estimated remaining funds due at closing
$129,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,277.76
Your down payment$115,277.76
Closing costs + prepaids$14,018.68
Total buyer cash needed$129,296.45
Remaining funds due$129,296.45
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)$1,101.00
Prepaid interest, first (25 days)$1,192.68
Fees + prepaids$14,018.68
Your down payment is the seller’s equity. You take over the $409,722 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $129,296.45 is due at closing. Uses and sources reconcile at $539,018.68 each. Not a Closing Disclosure.