Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$16,462Cash toward the purchase price.
Closing costs + prepaids$14,181Not just lender fees.
Before credits & paid funds$30,643The complete starting cash picture.
Estimated remaining funds due at closing
$30,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,462.38
Your down payment$16,462.38
Closing costs + prepaids$14,180.57
Total buyer cash needed$30,642.94
Remaining funds due$30,642.94
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)$510.00
Prepaid interest, first (14 days)$1,289.32
Fees + prepaids$14,180.57
Your down payment is the seller’s equity. You take over the $508,538 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $30,642.94 is due at closing. Uses and sources reconcile at $539,180.57 each. Not a Closing Disclosure.