Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$45,420Cash toward the purchase price.
Closing costs + prepaids$13,843Not just lender fees.
Before credits & paid funds$59,264The complete starting cash picture.
Estimated remaining funds due at closing
$59,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,420.46
Your down payment$45,420.46
Closing costs + prepaids$13,843.12
Total buyer cash needed$59,263.58
Remaining funds due$59,263.58
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)$1,728.00
Initial HOA (3 months)$153.00
Prepaid interest, first (22 days)$1,487.12
Fees + prepaids$13,843.12
Your down payment is the seller’s equity. You take over the $379,580 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $59,263.58 is due at closing. Uses and sources reconcile at $438,843.12 each. Not a Closing Disclosure.