Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$42,799Cash toward the purchase price.
Closing costs + prepaids$12,377Not just lender fees.
Before credits & paid funds$55,177The complete starting cash picture.
Estimated remaining funds due at closing
$55,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,799.37
Your down payment$42,799.37
Closing costs + prepaids$12,377.15
Total buyer cash needed$55,176.51
Remaining funds due$55,176.51
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)$531.25
Initial HOA (3 months)$180.00
Prepaid interest, first (17 days)$1,190.90
Fees + prepaids$12,377.15
Your down payment is the seller’s equity. You take over the $382,201 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $55,176.51 is due at closing. Uses and sources reconcile at $437,377.15 each. Not a Closing Disclosure.