Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,386Cash toward the purchase price.
Closing costs + prepaids$11,980Not just lender fees.
Before credits & paid funds$75,366The complete starting cash picture.
Estimated remaining funds due at closing
$75,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,385.79
Your down payment$63,385.79
Closing costs + prepaids$11,979.77
Total buyer cash needed$75,365.56
Remaining funds due$75,365.56
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)$707.75
Initial HOA (3 months)$50.01
Prepaid interest, first (26 days)$747.01
Fees + prepaids$11,979.77
Your down payment is the seller’s equity. You take over the $361,614 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $75,365.56 is due at closing. Uses and sources reconcile at $436,979.77 each. Not a Closing Disclosure.