Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$66,382Cash toward the purchase price.
Closing costs + prepaids$13,260Not just lender fees.
Before credits & paid funds$79,641The complete starting cash picture.
Estimated remaining funds due at closing
$79,641No 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$13,259.65
Total buyer cash needed$79,641.27
Remaining funds due$79,641.27
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)$529.25
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$1,955.40
Fees + prepaids$13,259.65
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. $79,641.27 is due at closing. Uses and sources reconcile at $438,259.65 each. Not a Closing Disclosure.