Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$83,685Cash toward the purchase price.
Closing costs + prepaids$14,358Not just lender fees.
Before credits & paid funds$98,043The complete starting cash picture.
Estimated remaining funds due at closing
$98,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,684.65
Your down payment$83,684.65
Closing costs + prepaids$14,358.34
Total buyer cash needed$98,042.99
Remaining funds due$98,042.99
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)$656.25
Initial HOA (3 months)$495.00
Prepaid interest, first (18 days)$1,482.09
Fees + prepaids$14,358.34
Your down payment is the seller’s equity. You take over the $441,315 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $98,042.99 is due at closing. Uses and sources reconcile at $539,358.34 each. Not a Closing Disclosure.