Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$41,633Cash toward the purchase price.
Closing costs + prepaids$13,456Not just lender fees.
Before credits & paid funds$55,089The complete starting cash picture.
Estimated remaining funds due at closing
$55,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,633.33
Your down payment$41,633.33
Closing costs + prepaids$13,455.64
Total buyer cash needed$55,088.97
Remaining funds due$55,088.97
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)$740.50
Initial HOA (3 months)$129.00
Prepaid interest, first (30 days)$2,111.14
Fees + prepaids$13,455.64
Your down payment is the seller’s equity. You take over the $383,367 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $55,088.97 is due at closing. Uses and sources reconcile at $438,455.64 each. Not a Closing Disclosure.