Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,466Cash toward the purchase price.
Closing costs + prepaids$13,042Not just lender fees.
Before credits & paid funds$36,509The complete starting cash picture.
Estimated remaining funds due at closing
$36,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,466.36
Your down payment$23,466.36
Closing costs + prepaids$13,042.28
Total buyer cash needed$36,508.64
Remaining funds due$36,508.64
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)$738.75
Initial HOA (3 months)$67.50
Prepaid interest, first (23 days)$1,761.03
Fees + prepaids$13,042.28
Your down payment is the seller’s equity. You take over the $401,534 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $36,508.64 is due at closing. Uses and sources reconcile at $438,042.28 each. Not a Closing Disclosure.