Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$277,662Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$289,389The complete starting cash picture.
Estimated remaining funds due at closing
$289,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,661.91
Your down payment$277,661.91
Closing costs + prepaids$11,726.62
Total buyer cash needed$289,388.53
Remaining funds due$289,388.53
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)$842.25
Initial HOA (3 months)$63.51
Prepaid interest, first (24 days)$345.86
Fees + prepaids$11,726.62
Your down payment is the seller’s equity. You take over the $147,338 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $289,388.53 is due at closing. Uses and sources reconcile at $436,726.62 each. Not a Closing Disclosure.