Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$52,970Cash toward the purchase price.
Closing costs + prepaids$12,701Not just lender fees.
Before credits & paid funds$65,671The complete starting cash picture.
Estimated remaining funds due at closing
$65,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,970.06
Your down payment$52,970.06
Closing costs + prepaids$12,700.57
Total buyer cash needed$65,670.63
Remaining funds due$65,670.63
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)$936.00
Prepaid interest, first (1 days)$39.57
Fees + prepaids$12,700.57
Your down payment is the seller’s equity. You take over the $472,030 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $65,670.63 is due at closing. Uses and sources reconcile at $537,700.57 each. Not a Closing Disclosure.