Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$78,096Cash toward the purchase price.
Closing costs + prepaids$13,746Not just lender fees.
Before credits & paid funds$91,842The complete starting cash picture.
Estimated remaining funds due at closing
$91,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,096.18
Your down payment$78,096.18
Closing costs + prepaids$13,745.64
Total buyer cash needed$91,841.81
Remaining funds due$91,841.81
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)$552.50
Initial HOA (3 months)$375.00
Prepaid interest, first (18 days)$1,093.14
Fees + prepaids$13,745.64
Your down payment is the seller’s equity. You take over the $446,904 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $91,841.81 is due at closing. Uses and sources reconcile at $538,745.64 each. Not a Closing Disclosure.