Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$62,695Cash toward the purchase price.
Closing costs + prepaids$11,060Not just lender fees.
Before credits & paid funds$73,755The complete starting cash picture.
Estimated remaining funds due at closing
$73,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,695.04
Your down payment$62,695.04
Closing costs + prepaids$11,059.55
Total buyer cash needed$73,754.59
Remaining funds due$73,754.59
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)$313.50
Initial HOA (3 months)$178.74
Prepaid interest, first (2 days)$92.31
Fees + prepaids$11,059.55
Your down payment is the seller’s equity. You take over the $362,305 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $73,754.59 is due at closing. Uses and sources reconcile at $436,059.55 each. Not a Closing Disclosure.