Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$40,926Cash toward the purchase price.
Closing costs + prepaids$12,680Not just lender fees.
Before credits & paid funds$53,605The complete starting cash picture.
Estimated remaining funds due at closing
$53,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,925.51
Your down payment$40,925.51
Closing costs + prepaids$12,679.58
Total buyer cash needed$53,605.09
Remaining funds due$53,605.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$536.75
Prepaid interest, first (25 days)$1,667.83
Fees + prepaids$12,679.58
Your down payment is the seller’s equity. You take over the $384,074 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $53,605.09 is due at closing. Uses and sources reconcile at $437,679.58 each. Not a Closing Disclosure.