Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$163,298Cash toward the purchase price.
Closing costs + prepaids$13,888Not just lender fees.
Before credits & paid funds$177,186The complete starting cash picture.
Estimated remaining funds due at closing
$177,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,298.49
Your down payment$163,298.49
Closing costs + prepaids$13,887.57
Total buyer cash needed$177,186.06
Remaining funds due$177,186.06
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)$1,273.00
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$814.57
Fees + prepaids$13,887.57
Your down payment is the seller’s equity. You take over the $361,702 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $177,186.06 is due at closing. Uses and sources reconcile at $538,887.57 each. Not a Closing Disclosure.