Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$145,536Cash toward the purchase price.
Closing costs + prepaids$11,768Not just lender fees.
Before credits & paid funds$157,304The complete starting cash picture.
Estimated remaining funds due at closing
$157,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,535.65
Your down payment$145,535.65
Closing costs + prepaids$11,768.08
Total buyer cash needed$157,303.72
Remaining funds due$157,303.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,255.00
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)$665.50
Initial HOA (3 months)$7.50
Prepaid interest, first (27 days)$615.08
Fees + prepaids$11,768.08
Your down payment is the seller’s equity. You take over the $279,964 balance, so the rest of the $425,500 price is paid at closing. A second mortgage can cover part of it. $157,303.72 is due at closing. Uses and sources reconcile at $437,268.08 each. Not a Closing Disclosure.