Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,956Cash toward the purchase price.
Closing costs + prepaids$11,367Not just lender fees.
Before credits & paid funds$77,324The complete starting cash picture.
Estimated remaining funds due at closing
$77,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,956.15
Your down payment$65,956.15
Closing costs + prepaids$11,367.40
Total buyer cash needed$77,323.55
Remaining funds due$77,323.55
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)$529.25
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$63.15
Fees + prepaids$11,367.40
Your down payment is the seller’s equity. You take over the $359,044 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $77,323.55 is due at closing. Uses and sources reconcile at $436,367.40 each. Not a Closing Disclosure.