Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$115,821Cash toward the purchase price.
Closing costs + prepaids$13,107Not just lender fees.
Before credits & paid funds$128,927The complete starting cash picture.
Estimated remaining funds due at closing
$128,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,820.64
Your down payment$115,820.64
Closing costs + prepaids$13,106.56
Total buyer cash needed$128,927.20
Remaining funds due$128,927.20
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)$1,312.50
Prepaid interest, first (1 days)$69.06
Fees + prepaids$13,106.56
Your down payment is the seller’s equity. You take over the $409,179 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $128,927.20 is due at closing. Uses and sources reconcile at $538,106.56 each. Not a Closing Disclosure.