Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,734Cash toward the purchase price.
Closing costs + prepaids$13,211Not just lender fees.
Before credits & paid funds$31,944The complete starting cash picture.
Estimated remaining funds due at closing
$31,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,733.65
Your down payment$18,733.65
Closing costs + prepaids$13,210.55
Total buyer cash needed$31,944.21
Remaining funds due$31,944.21
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)$1,030.25
Initial HOA (3 months)$72.00
Prepaid interest, first (22 days)$1,633.30
Fees + prepaids$13,210.55
Your down payment is the seller’s equity. You take over the $406,266 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $31,944.21 is due at closing. Uses and sources reconcile at $438,210.55 each. Not a Closing Disclosure.