Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$93,755Cash toward the purchase price.
Closing costs + prepaids$11,709Not just lender fees.
Before credits & paid funds$105,465The complete starting cash picture.
Estimated remaining funds due at closing
$105,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,755.32
Your down payment$93,755.32
Closing costs + prepaids$11,709.20
Total buyer cash needed$105,464.52
Remaining funds due$105,464.52
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)$724.20
Fees + prepaids$11,709.20
Your down payment is the seller’s equity. You take over the $331,245 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $105,464.52 is due at closing. Uses and sources reconcile at $436,709.20 each. Not a Closing Disclosure.