Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,592Cash toward the purchase price.
Closing costs + prepaids$12,586Not just lender fees.
Before credits & paid funds$53,177The complete starting cash picture.
Estimated remaining funds due at closing
$53,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,591.57
Your down payment$40,591.57
Closing costs + prepaids$12,585.87
Total buyer cash needed$53,177.44
Remaining funds due$53,177.44
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 (1 days)$90.87
Fees + prepaids$12,585.87
Your down payment is the seller’s equity. You take over the $484,908 balance, so the rest of the $525,500 price is paid at closing. A second mortgage can cover part of it. $53,177.44 is due at closing. Uses and sources reconcile at $538,085.87 each. Not a Closing Disclosure.