Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,704Cash toward the purchase price.
Closing costs + prepaids$13,230Not just lender fees.
Before credits & paid funds$30,934The complete starting cash picture.
Estimated remaining funds due at closing
$30,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,703.91
Your down payment$17,703.91
Closing costs + prepaids$13,230.20
Total buyer cash needed$30,934.11
Remaining funds due$30,934.11
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)$1,026.75
Initial HOA (3 months)$315.00
Prepaid interest, first (2 days)$163.45
Fees + prepaids$13,230.20
Your down payment is the seller’s equity. You take over the $507,296 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $30,934.11 is due at closing. Uses and sources reconcile at $538,230.20 each. Not a Closing Disclosure.