Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$285,914Cash toward the purchase price.
Closing costs + prepaids$12,010Not just lender fees.
Before credits & paid funds$297,924The complete starting cash picture.
Estimated remaining funds due at closing
$297,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,913.81
Your down payment$285,913.81
Closing costs + prepaids$12,010.45
Total buyer cash needed$297,924.26
Remaining funds due$297,924.26
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)$731.75
Initial HOA (3 months)$129.00
Prepaid interest, first (26 days)$674.70
Fees + prepaids$12,010.45
Your down payment is the seller’s equity. You take over the $139,086 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $297,924.26 is due at closing. Uses and sources reconcile at $437,010.45 each. Not a Closing Disclosure.