Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$36,535Cash toward the purchase price.
Closing costs + prepaids$13,571Not just lender fees.
Before credits & paid funds$50,106The complete starting cash picture.
Estimated remaining funds due at closing
$50,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,535.31
Your down payment$36,535.31
Closing costs + prepaids$13,570.96
Total buyer cash needed$50,106.27
Remaining funds due$50,106.27
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
Prepaid interest, first (14 days)$1,189.71
Fees + prepaids$13,570.96
Your down payment is the seller’s equity. You take over the $488,465 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $50,106.27 is due at closing. Uses and sources reconcile at $538,570.96 each. Not a Closing Disclosure.