Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$135,130Cash toward the purchase price.
Closing costs + prepaids$14,199Not just lender fees.
Before credits & paid funds$149,329The complete starting cash picture.
Estimated remaining funds due at closing
$149,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,130.04
Your down payment$135,130.04
Closing costs + prepaids$14,199.31
Total buyer cash needed$149,329.35
Remaining funds due$149,329.35
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)$474.50
Initial HOA (3 months)$75.99
Prepaid interest, first (31 days)$1,923.82
Fees + prepaids$14,199.31
Your down payment is the seller’s equity. You take over the $389,870 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $149,329.35 is due at closing. Uses and sources reconcile at $539,199.31 each. Not a Closing Disclosure.