Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$25,135Cash toward the purchase price.
Closing costs + prepaids$13,052Not just lender fees.
Before credits & paid funds$38,188The complete starting cash picture.
Estimated remaining funds due at closing
$38,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,135.22
Your down payment$25,135.22
Closing costs + prepaids$13,052.48
Total buyer cash needed$38,187.69
Remaining funds due$38,187.69
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)$1,062.50
Initial HOA (3 months)$600.00
Prepaid interest, first (29 days)$914.98
Fees + prepaids$13,052.48
Your down payment is the seller’s equity. You take over the $399,865 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $38,187.69 is due at closing. Uses and sources reconcile at $438,052.48 each. Not a Closing Disclosure.