Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$87,218Cash toward the purchase price.
Closing costs + prepaids$12,423Not just lender fees.
Before credits & paid funds$99,641The complete starting cash picture.
Estimated remaining funds due at closing
$99,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,218.18
Your down payment$87,218.18
Closing costs + prepaids$12,422.60
Total buyer cash needed$99,640.78
Remaining funds due$99,640.78
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)$442.75
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$59.85
Fees + prepaids$12,422.60
Your down payment is the seller’s equity. You take over the $437,782 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $99,640.78 is due at closing. Uses and sources reconcile at $537,422.60 each. Not a Closing Disclosure.