Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,893Cash toward the purchase price.
Closing costs + prepaids$13,368Not just lender fees.
Before credits & paid funds$81,261The complete starting cash picture.
Estimated remaining funds due at closing
$81,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,893.23
Your down payment$67,893.23
Closing costs + prepaids$13,367.65
Total buyer cash needed$81,260.88
Remaining funds due$81,260.88
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)$1,682.50
Prepaid interest, first (31 days)$1,210.15
Fees + prepaids$13,367.65
Your down payment is the seller’s equity. You take over the $357,107 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $81,260.88 is due at closing. Uses and sources reconcile at $438,367.65 each. Not a Closing Disclosure.