Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$410,306Cash toward the purchase price.
Closing costs + prepaids$12,745Not just lender fees.
Before credits & paid funds$423,052The complete starting cash picture.
Estimated remaining funds due at closing
$423,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,306.49
Your down payment$410,306.49
Closing costs + prepaids$12,745.13
Total buyer cash needed$423,051.61
Remaining funds due$423,051.61
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)$582.75
Prepaid interest, first (31 days)$437.38
Fees + prepaids$12,745.13
Your down payment is the seller’s equity. You take over the $114,694 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $423,051.61 is due at closing. Uses and sources reconcile at $537,745.13 each. Not a Closing Disclosure.