Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$91,345Cash toward the purchase price.
Closing costs + prepaids$12,611Not just lender fees.
Before credits & paid funds$103,956The complete starting cash picture.
Estimated remaining funds due at closing
$103,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,344.90
Your down payment$91,344.90
Closing costs + prepaids$12,611.45
Total buyer cash needed$103,956.35
Remaining funds due$103,956.35
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)$452.00
Initial HOA (3 months)$275.01
Prepaid interest, first (2 days)$159.44
Fees + prepaids$12,611.45
Your down payment is the seller’s equity. You take over the $433,655 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $103,956.35 is due at closing. Uses and sources reconcile at $537,611.45 each. Not a Closing Disclosure.