Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$99,525Cash toward the purchase price.
Closing costs + prepaids$15,658Not just lender fees.
Before credits & paid funds$115,183The complete starting cash picture.
Estimated remaining funds due at closing
$115,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,524.86
Your down payment$99,524.86
Closing costs + prepaids$15,657.92
Total buyer cash needed$115,182.78
Remaining funds due$115,182.78
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)$1,367.25
Prepaid interest, first (31 days)$2,565.67
Fees + prepaids$15,657.92
Your down payment is the seller’s equity. You take over the $425,475 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $115,182.78 is due at closing. Uses and sources reconcile at $540,657.92 each. Not a Closing Disclosure.