Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$252,050Cash toward the purchase price.
Closing costs + prepaids$12,637Not just lender fees.
Before credits & paid funds$264,687The complete starting cash picture.
Estimated remaining funds due at closing
$264,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,050.26
Your down payment$252,050.26
Closing costs + prepaids$12,636.92
Total buyer cash needed$264,687.18
Remaining funds due$264,687.18
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
Prepaid interest, first (10 days)$281.92
Fees + prepaids$12,636.92
Your down payment is the seller’s equity. You take over the $272,950 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $264,687.18 is due at closing. Uses and sources reconcile at $537,636.92 each. Not a Closing Disclosure.