Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$91,345Cash toward the purchase price.
Closing costs + prepaids$12,532Not just lender fees.
Before credits & paid funds$103,877The complete starting cash picture.
Estimated remaining funds due at closing
$103,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,344.90
Your down payment$91,344.90
Closing costs + prepaids$12,531.73
Total buyer cash needed$103,876.63
Remaining funds due$103,876.63
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)$452.00
Initial HOA (3 months)$275.01
Prepaid interest, first (1 days)$79.72
Fees + prepaids$12,531.73
Your down payment is the seller’s equity. You take over the $433,655 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $103,876.63 is due at closing. Uses and sources reconcile at $537,531.73 each. Not a Closing Disclosure.