Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$91,828Cash toward the purchase price.
Closing costs + prepaids$13,347Not just lender fees.
Before credits & paid funds$105,174The complete starting cash picture.
Estimated remaining funds due at closing
$105,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,827.70
Your down payment$91,827.70
Closing costs + prepaids$13,346.70
Total buyer cash needed$105,174.40
Remaining funds due$105,174.40
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)$630.00
Initial HOA (3 months)$275.01
Prepaid interest, first (9 days)$716.69
Fees + prepaids$13,346.70
Your down payment is the seller’s equity. You take over the $433,172 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $105,174.40 is due at closing. Uses and sources reconcile at $538,346.70 each. Not a Closing Disclosure.