Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$241,099Cash toward the purchase price.
Closing costs + prepaids$12,911Not just lender fees.
Before credits & paid funds$254,011The complete starting cash picture.
Estimated remaining funds due at closing
$254,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,099.14
Your down payment$241,099.14
Closing costs + prepaids$12,911.47
Total buyer cash needed$254,010.61
Remaining funds due$254,010.61
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)$650.25
Initial HOA (3 months)$84.00
Prepaid interest, first (18 days)$452.22
Fees + prepaids$12,911.47
Your down payment is the seller’s equity. You take over the $283,901 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $254,010.61 is due at closing. Uses and sources reconcile at $537,911.47 each. Not a Closing Disclosure.