Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$34,378Cash toward the purchase price.
Closing costs + prepaids$11,038Not just lender fees.
Before credits & paid funds$45,415The complete starting cash picture.
Estimated remaining funds due at closing
$45,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,377.74
Your down payment$34,377.74
Closing costs + prepaids$11,037.56
Total buyer cash needed$45,415.31
Remaining funds due$45,415.31
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)$493.00
Prepaid interest, first (1 days)$69.56
Fees + prepaids$11,037.56
Your down payment is the seller’s equity. You take over the $390,622 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $45,415.31 is due at closing. Uses and sources reconcile at $436,037.56 each. Not a Closing Disclosure.