Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$153,611Cash toward the purchase price.
Closing costs + prepaids$13,625Not just lender fees.
Before credits & paid funds$167,235The complete starting cash picture.
Estimated remaining funds due at closing
$167,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,610.66
Your down payment$153,610.66
Closing costs + prepaids$13,624.58
Total buyer cash needed$167,235.25
Remaining funds due$167,235.25
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)$839.75
Prepaid interest, first (31 days)$1,059.83
Fees + prepaids$13,624.58
Your down payment is the seller’s equity. You take over the $371,389 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $167,235.25 is due at closing. Uses and sources reconcile at $538,624.58 each. Not a Closing Disclosure.