Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$138,103Cash toward the purchase price.
Closing costs + prepaids$11,935Not just lender fees.
Before credits & paid funds$150,039The complete starting cash picture.
Estimated remaining funds due at closing
$150,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,103.38
Your down payment$138,103.38
Closing costs + prepaids$11,935.15
Total buyer cash needed$150,038.53
Remaining funds due$150,038.53
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)$736.00
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$529.15
Fees + prepaids$11,935.15
Your down payment is the seller’s equity. You take over the $286,897 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $150,038.53 is due at closing. Uses and sources reconcile at $436,935.15 each. Not a Closing Disclosure.