Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$158,337Cash toward the purchase price.
Closing costs + prepaids$11,993Not just lender fees.
Before credits & paid funds$170,330The complete starting cash picture.
Estimated remaining funds due at closing
$170,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,336.84
Your down payment$158,336.84
Closing costs + prepaids$11,992.78
Total buyer cash needed$170,329.62
Remaining funds due$170,329.62
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)$727.75
Initial HOA (3 months)$129.00
Prepaid interest, first (24 days)$661.03
Fees + prepaids$11,992.78
Your down payment is the seller’s equity. You take over the $266,663 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $170,329.62 is due at closing. Uses and sources reconcile at $436,992.78 each. Not a Closing Disclosure.