Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,740Cash toward the purchase price.
Closing costs + prepaids$14,788Not just lender fees.
Before credits & paid funds$59,527The complete starting cash picture.
Estimated remaining funds due at closing
$59,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,739.82
Your down payment$44,739.82
Closing costs + prepaids$14,787.64
Total buyer cash needed$59,527.47
Remaining funds due$59,527.47
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)$599.50
Prepaid interest, first (30 days)$2,463.14
Fees + prepaids$14,787.64
Your down payment is the seller’s equity. You take over the $480,260 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $59,527.47 is due at closing. Uses and sources reconcile at $539,787.64 each. Not a Closing Disclosure.