Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$457,916Cash toward the purchase price.
Closing costs + prepaids$12,613Not just lender fees.
Before credits & paid funds$470,529The complete starting cash picture.
Estimated remaining funds due at closing
$470,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,915.97
Your down payment$457,915.97
Closing costs + prepaids$12,612.71
Total buyer cash needed$470,528.68
Remaining funds due$470,528.68
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)$656.25
Initial HOA (3 months)$87.00
Prepaid interest, first (15 days)$144.46
Fees + prepaids$12,612.71
Your down payment is the seller’s equity. You take over the $67,084 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $470,528.68 is due at closing. Uses and sources reconcile at $537,612.71 each. Not a Closing Disclosure.