Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$77,721Cash toward the purchase price.
Closing costs + prepaids$13,645Not just lender fees.
Before credits & paid funds$91,367The complete starting cash picture.
Estimated remaining funds due at closing
$91,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,721.48
Your down payment$77,721.48
Closing costs + prepaids$13,645.44
Total buyer cash needed$91,366.92
Remaining funds due$91,366.92
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)$1,251.50
Initial HOA (3 months)$75.51
Prepaid interest, first (25 days)$1,843.43
Fees + prepaids$13,645.44
Your down payment is the seller’s equity. You take over the $347,279 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $91,366.92 is due at closing. Uses and sources reconcile at $438,645.44 each. Not a Closing Disclosure.