Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$135,575Cash toward the purchase price.
Closing costs + prepaids$12,510Not just lender fees.
Before credits & paid funds$148,085The complete starting cash picture.
Estimated remaining funds due at closing
$148,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,575.14
Your down payment$135,575.14
Closing costs + prepaids$12,510.13
Total buyer cash needed$148,085.27
Remaining funds due$148,085.27
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)$519.75
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$79.38
Fees + prepaids$12,510.13
Your down payment is the seller’s equity. You take over the $389,425 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $148,085.27 is due at closing. Uses and sources reconcile at $537,510.13 each. Not a Closing Disclosure.