Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$146,321Cash toward the purchase price.
Closing costs + prepaids$15,673Not just lender fees.
Before credits & paid funds$161,995The complete starting cash picture.
Estimated remaining funds due at closing
$161,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,321.25
Your down payment$146,321.25
Closing costs + prepaids$15,673.46
Total buyer cash needed$161,994.72
Remaining funds due$161,994.72
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)$786.25
Initial HOA (3 months)$1,080.00
Prepaid interest, first (30 days)$2,082.21
Fees + prepaids$15,673.46
Your down payment is the seller’s equity. You take over the $378,679 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $161,994.72 is due at closing. Uses and sources reconcile at $540,673.46 each. Not a Closing Disclosure.