Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$88,623Cash toward the purchase price.
Closing costs + prepaids$12,171Not just lender fees.
Before credits & paid funds$100,794The complete starting cash picture.
Estimated remaining funds due at closing
$100,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,622.88
Your down payment$88,622.88
Closing costs + prepaids$12,171.18
Total buyer cash needed$100,794.06
Remaining funds due$100,794.06
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)$490.75
Prepaid interest, first (20 days)$1,205.43
Fees + prepaids$12,171.18
Your down payment is the seller’s equity. You take over the $336,377 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $100,794.06 is due at closing. Uses and sources reconcile at $437,171.18 each. Not a Closing Disclosure.