Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$87,760Cash toward the purchase price.
Closing costs + prepaids$14,216Not just lender fees.
Before credits & paid funds$101,975The complete starting cash picture.
Estimated remaining funds due at closing
$101,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,759.50
Your down payment$87,759.50
Closing costs + prepaids$14,215.81
Total buyer cash needed$101,975.31
Remaining funds due$101,975.31
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)$442.75
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$1,853.06
Fees + prepaids$14,215.81
Your down payment is the seller’s equity. You take over the $437,240 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $101,975.31 is due at closing. Uses and sources reconcile at $539,215.81 each. Not a Closing Disclosure.