Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$22,925Cash toward the purchase price.
Closing costs + prepaids$12,933Not just lender fees.
Before credits & paid funds$35,858The complete starting cash picture.
Estimated remaining funds due at closing
$35,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,924.95
Your down payment$22,924.95
Closing costs + prepaids$12,933.13
Total buyer cash needed$35,858.08
Remaining funds due$35,858.08
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)$1,034.75
Initial HOA (3 months)$42.00
Prepaid interest, first (22 days)$1,381.38
Fees + prepaids$12,933.13
Your down payment is the seller’s equity. You take over the $402,075 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $35,858.08 is due at closing. Uses and sources reconcile at $437,933.13 each. Not a Closing Disclosure.