Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$51,512Cash toward the purchase price.
Closing costs + prepaids$12,371Not just lender fees.
Before credits & paid funds$63,883The complete starting cash picture.
Estimated remaining funds due at closing
$63,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,512.03
Your down payment$51,512.03
Closing costs + prepaids$12,370.89
Total buyer cash needed$63,882.92
Remaining funds due$63,882.92
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)$352.00
Prepaid interest, first (23 days)$1,543.89
Fees + prepaids$12,370.89
Your down payment is the seller’s equity. You take over the $373,488 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $63,882.92 is due at closing. Uses and sources reconcile at $437,370.89 each. Not a Closing Disclosure.