Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$59,325Cash toward the purchase price.
Closing costs + prepaids$14,974Not just lender fees.
Before credits & paid funds$74,299The complete starting cash picture.
Estimated remaining funds due at closing
$74,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,324.80
Your down payment$59,324.80
Closing costs + prepaids$14,974.35
Total buyer cash needed$74,299.15
Remaining funds due$74,299.15
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)$1,338.75
Initial HOA (3 months)$1,560.00
Prepaid interest, first (4 days)$350.60
Fees + prepaids$14,974.35
Your down payment is the seller’s equity. You take over the $465,675 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $74,299.15 is due at closing. Uses and sources reconcile at $539,974.35 each. Not a Closing Disclosure.