Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,255Cash toward the purchase price.
Closing costs + prepaids$13,008Not just lender fees.
Before credits & paid funds$80,263The complete starting cash picture.
Estimated remaining funds due at closing
$80,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,255.11
Your down payment$67,255.11
Closing costs + prepaids$13,007.95
Total buyer cash needed$80,263.06
Remaining funds due$80,263.06
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)$479.00
Prepaid interest, first (31 days)$2,053.95
Fees + prepaids$13,007.95
Your down payment is the seller’s equity. You take over the $357,745 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $80,263.06 is due at closing. Uses and sources reconcile at $438,007.95 each. Not a Closing Disclosure.