Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$292,416Cash toward the purchase price.
Closing costs + prepaids$13,125Not just lender fees.
Before credits & paid funds$305,541The complete starting cash picture.
Estimated remaining funds due at closing
$305,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,415.71
Your down payment$292,415.71
Closing costs + prepaids$13,125.16
Total buyer cash needed$305,540.87
Remaining funds due$305,540.87
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)$750.75
Initial HOA (3 months)$165.00
Prepaid interest, first (21 days)$484.41
Fees + prepaids$13,125.16
Your down payment is the seller’s equity. You take over the $232,584 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $305,540.87 is due at closing. Uses and sources reconcile at $538,125.16 each. Not a Closing Disclosure.