Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$291,557Cash toward the purchase price.
Closing costs + prepaids$11,664Not just lender fees.
Before credits & paid funds$303,221The complete starting cash picture.
Estimated remaining funds due at closing
$303,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,556.77
Your down payment$291,556.77
Closing costs + prepaids$11,664.40
Total buyer cash needed$303,221.17
Remaining funds due$303,221.17
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)$548.25
Initial HOA (3 months)$215.01
Prepaid interest, first (31 days)$426.14
Fees + prepaids$11,664.40
Your down payment is the seller’s equity. You take over the $133,443 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $303,221.17 is due at closing. Uses and sources reconcile at $436,664.40 each. Not a Closing Disclosure.