Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$96,043Cash toward the purchase price.
Closing costs + prepaids$12,089Not just lender fees.
Before credits & paid funds$108,133The complete starting cash picture.
Estimated remaining funds due at closing
$108,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,043.37
Your down payment$96,043.37
Closing costs + prepaids$12,089.14
Total buyer cash needed$108,132.51
Remaining funds due$108,132.51
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)$533.50
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$804.64
Fees + prepaids$12,089.14
Your down payment is the seller’s equity. You take over the $328,957 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $108,132.51 is due at closing. Uses and sources reconcile at $437,089.14 each. Not a Closing Disclosure.