Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$61,107Cash toward the purchase price.
Closing costs + prepaids$12,258Not just lender fees.
Before credits & paid funds$73,364The complete starting cash picture.
Estimated remaining funds due at closing
$73,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,106.76
Your down payment$61,106.76
Closing costs + prepaids$12,257.74
Total buyer cash needed$73,364.50
Remaining funds due$73,364.50
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)$626.50
Initial HOA (3 months)$249.00
Prepaid interest, first (26 days)$907.24
Fees + prepaids$12,257.74
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $73,364.50 is due at closing. Uses and sources reconcile at $437,257.74 each. Not a Closing Disclosure.