Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,028Cash toward the purchase price.
Closing costs + prepaids$12,718Not just lender fees.
Before credits & paid funds$89,745The complete starting cash picture.
Estimated remaining funds due at closing
$89,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,027.83
Your down payment$77,027.83
Closing costs + prepaids$12,717.61
Total buyer cash needed$89,745.44
Remaining funds due$89,745.44
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)$418.75
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$1,598.86
Fees + prepaids$12,717.61
Your down payment is the seller’s equity. You take over the $347,972 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $89,745.44 is due at closing. Uses and sources reconcile at $437,717.61 each. Not a Closing Disclosure.