Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,325Cash toward the purchase price.
Closing costs + prepaids$19,119Not just lender fees.
Before credits & paid funds$70,444The complete starting cash picture.
Estimated remaining funds due at closing
$70,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,324.70
Your down payment$51,324.70
Closing costs + prepaids$19,119.26
Total buyer cash needed$70,443.96
Remaining funds due$70,443.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,312.50
Prepaid interest, first (2 days)$331.76
Fees + prepaids$19,119.26
Your down payment is the seller’s equity. You take over the $873,675 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $70,443.96 is due at closing. Uses and sources reconcile at $944,119.26 each. Not a Closing Disclosure.