Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$52,143Cash toward the purchase price.
Closing costs + prepaids$22,599Not just lender fees.
Before credits & paid funds$74,742The complete starting cash picture.
Estimated remaining funds due at closing
$74,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,142.96
Your down payment$52,142.96
Closing costs + prepaids$22,599.14
Total buyer cash needed$74,742.09
Remaining funds due$74,742.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,312.50
Prepaid interest, first (23 days)$3,811.64
Fees + prepaids$22,599.14
Your down payment is the seller’s equity. You take over the $872,857 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $74,742.09 is due at closing. Uses and sources reconcile at $947,599.14 each. Not a Closing Disclosure.