Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$71,145Cash toward the purchase price.
Closing costs + prepaids$16,012Not just lender fees.
Before credits & paid funds$87,157The complete starting cash picture.
Estimated remaining funds due at closing
$87,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,145.36
Your down payment$71,145.36
Closing costs + prepaids$16,012.09
Total buyer cash needed$87,157.46
Remaining funds due$87,157.46
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)$1,746.75
Prepaid interest, first (30 days)$2,540.34
Fees + prepaids$16,012.09
Your down payment is the seller’s equity. You take over the $453,855 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $87,157.46 is due at closing. Uses and sources reconcile at $541,012.09 each. Not a Closing Disclosure.