Follow the dollars · Assumption only
A complete cash picture for Dec 21, 2026
Your down payment$212,677Cash toward the purchase price.
Closing costs + prepaids$12,716Not just lender fees.
Before credits & paid funds$225,393The complete starting cash picture.
Estimated remaining funds due at closing
$225,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,677.16
Your down payment$212,677.16
Closing costs + prepaids$12,715.66
Total buyer cash needed$225,392.83
Remaining funds due$225,392.83
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)$630.00
Initial HOA (3 months)$86.76
Prepaid interest, first (11 days)$273.90
Fees + prepaids$12,715.66
Your down payment is the seller’s equity. You take over the $312,323 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $225,392.83 is due at closing. Uses and sources reconcile at $537,715.66 each. Not a Closing Disclosure.