Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$37,897Cash toward the purchase price.
Closing costs + prepaids$15,182Not just lender fees.
Before credits & paid funds$53,079The complete starting cash picture.
Estimated remaining funds due at closing
$53,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,896.74
Your down payment$37,896.74
Closing costs + prepaids$15,181.94
Total buyer cash needed$53,078.68
Remaining funds due$53,078.68
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)$1,437.00
Prepaid interest, first (22 days)$2,019.94
Fees + prepaids$15,181.94
Your down payment is the seller’s equity. You take over the $487,103 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $53,078.68 is due at closing. Uses and sources reconcile at $540,181.94 each. Not a Closing Disclosure.