Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$114,052Cash toward the purchase price.
Closing costs + prepaids$12,684Not just lender fees.
Before credits & paid funds$126,736The complete starting cash picture.
Estimated remaining funds due at closing
$126,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,051.72
Your down payment$114,051.72
Closing costs + prepaids$12,684.18
Total buyer cash needed$126,735.90
Remaining funds due$126,735.90
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)$630.00
Initial HOA (3 months)$102.99
Prepaid interest, first (7 days)$226.19
Fees + prepaids$12,684.18
Your down payment is the seller’s equity. You take over the $410,948 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $126,735.90 is due at closing. Uses and sources reconcile at $537,684.18 each. Not a Closing Disclosure.