Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$9,592Cash toward the purchase price.
Closing costs + prepaids$12,496Not just lender fees.
Before credits & paid funds$22,088The complete starting cash picture.
Estimated remaining funds due at closing
$22,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,591.57
Your down payment$9,591.57
Closing costs + prepaids$12,495.94
Total buyer cash needed$22,087.50
Remaining funds due$22,087.50
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)$463.75
Initial HOA (3 months)$213.00
Prepaid interest, first (1 days)$94.19
Fees + prepaids$12,495.94
Your down payment is the seller’s equity. You take over the $515,408 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $22,087.50 is due at closing. Uses and sources reconcile at $537,495.94 each. Not a Closing Disclosure.