Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$135,511Cash toward the purchase price.
Closing costs + prepaids$11,540Not just lender fees.
Before credits & paid funds$147,051The complete starting cash picture.
Estimated remaining funds due at closing
$147,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,510.64
Your down payment$135,510.64
Closing costs + prepaids$11,540.18
Total buyer cash needed$147,050.82
Remaining funds due$147,050.82
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)$432.25
Initial HOA (3 months)$99.00
Prepaid interest, first (22 days)$533.93
Fees + prepaids$11,540.18
Your down payment is the seller’s equity. You take over the $289,489 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $147,050.82 is due at closing. Uses and sources reconcile at $436,540.18 each. Not a Closing Disclosure.