Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,840Cash toward the purchase price.
Closing costs + prepaids$14,094Not just lender fees.
Before credits & paid funds$49,934The complete starting cash picture.
Estimated remaining funds due at closing
$49,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,840.06
Your down payment$35,840.06
Closing costs + prepaids$14,093.77
Total buyer cash needed$49,933.82
Remaining funds due$49,933.82
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)$1,411.75
Prepaid interest, first (30 days)$2,207.02
Fees + prepaids$14,093.77
Your down payment is the seller’s equity. You take over the $389,160 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $49,933.82 is due at closing. Uses and sources reconcile at $439,093.77 each. Not a Closing Disclosure.