Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$135,159Cash toward the purchase price.
Closing costs + prepaids$13,345Not just lender fees.
Before credits & paid funds$148,504The complete starting cash picture.
Estimated remaining funds due at closing
$148,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,159.48
Your down payment$135,159.48
Closing costs + prepaids$13,344.84
Total buyer cash needed$148,504.32
Remaining funds due$148,504.32
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)$760.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (31 days)$684.34
Fees + prepaids$13,344.84
Your down payment is the seller’s equity. You take over the $289,841 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $148,504.32 is due at closing. Uses and sources reconcile at $438,344.84 each. Not a Closing Disclosure.