Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$43,439Cash toward the purchase price.
Closing costs + prepaids$13,357Not just lender fees.
Before credits & paid funds$56,795The complete starting cash picture.
Estimated remaining funds due at closing
$56,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,438.78
Your down payment$43,438.78
Closing costs + prepaids$13,356.67
Total buyer cash needed$56,795.44
Remaining funds due$56,795.44
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)$506.50
Initial HOA (3 months)$459.00
Prepaid interest, first (30 days)$1,916.17
Fees + prepaids$13,356.67
Your down payment is the seller’s equity. You take over the $381,561 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $56,795.44 is due at closing. Uses and sources reconcile at $438,356.67 each. Not a Closing Disclosure.