Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,706Cash toward the purchase price.
Closing costs + prepaids$14,233Not just lender fees.
Before credits & paid funds$37,940The complete starting cash picture.
Estimated remaining funds due at closing
$37,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,706.36
Your down payment$23,706.36
Closing costs + prepaids$14,233.41
Total buyer cash needed$37,939.77
Remaining funds due$37,939.77
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)$1,892.75
Initial HOA (3 months)$45.00
Prepaid interest, first (24 days)$1,820.66
Fees + prepaids$14,233.41
Your down payment is the seller’s equity. You take over the $401,294 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $37,939.77 is due at closing. Uses and sources reconcile at $439,233.41 each. Not a Closing Disclosure.