Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$66,382Cash toward the purchase price.
Closing costs + prepaids$11,853Not just lender fees.
Before credits & paid funds$78,234The complete starting cash picture.
Estimated remaining funds due at closing
$78,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,381.61
Your down payment$66,381.61
Closing costs + prepaids$11,852.70
Total buyer cash needed$78,234.31
Remaining funds due$78,234.31
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)$510.00
Initial HOA (3 months)$300.00
Prepaid interest, first (9 days)$567.70
Fees + prepaids$11,852.70
Your down payment is the seller’s equity. You take over the $358,618 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $78,234.31 is due at closing. Uses and sources reconcile at $436,852.70 each. Not a Closing Disclosure.