Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$43,180Cash toward the purchase price.
Closing costs + prepaids$13,891Not just lender fees.
Before credits & paid funds$57,070The complete starting cash picture.
Estimated remaining funds due at closing
$57,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,179.56
Your down payment$43,179.56
Closing costs + prepaids$13,890.91
Total buyer cash needed$57,070.48
Remaining funds due$57,070.48
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)$953.50
Initial HOA (3 months)$351.00
Prepaid interest, first (29 days)$2,111.41
Fees + prepaids$13,890.91
Your down payment is the seller’s equity. You take over the $381,820 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $57,070.48 is due at closing. Uses and sources reconcile at $438,890.91 each. Not a Closing Disclosure.