Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$41,041Cash toward the purchase price.
Closing costs + prepaids$14,311Not just lender fees.
Before credits & paid funds$55,352The complete starting cash picture.
Estimated remaining funds due at closing
$55,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,041.27
Your down payment$41,041.27
Closing costs + prepaids$14,310.72
Total buyer cash needed$55,351.99
Remaining funds due$55,351.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,255.00
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)$465.00
Initial HOA (3 months)$300.00
Prepaid interest, first (20 days)$1,815.72
Fees + prepaids$14,310.72
Your down payment is the seller’s equity. You take over the $484,459 balance, so the rest of the $525,500 price is paid at closing. A second mortgage can cover part of it. $55,351.99 is due at closing. Uses and sources reconcile at $539,810.72 each. Not a Closing Disclosure.