Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$40,926Cash toward the purchase price.
Closing costs + prepaids$11,786Not just lender fees.
Before credits & paid funds$52,711The complete starting cash picture.
Estimated remaining funds due at closing
$52,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,925.51
Your down payment$40,925.51
Closing costs + prepaids$11,785.56
Total buyer cash needed$52,711.06
Remaining funds due$52,711.06
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)$510.00
Prepaid interest, first (12 days)$800.56
Fees + prepaids$11,785.56
Your down payment is the seller’s equity. You take over the $384,074 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $52,711.06 is due at closing. Uses and sources reconcile at $436,785.56 each. Not a Closing Disclosure.