Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$33,534Cash toward the purchase price.
Closing costs + prepaids$14,067Not just lender fees.
Before credits & paid funds$47,600The complete starting cash picture.
Estimated remaining funds due at closing
$47,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,533.54
Your down payment$33,533.54
Closing costs + prepaids$14,066.91
Total buyer cash needed$47,600.45
Remaining funds due$47,600.45
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)$463.75
Initial HOA (3 months)$264.00
Prepaid interest, first (18 days)$1,614.16
Fees + prepaids$14,066.91
Your down payment is the seller’s equity. You take over the $491,466 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $47,600.45 is due at closing. Uses and sources reconcile at $539,066.91 each. Not a Closing Disclosure.