Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$10,076Cash toward the purchase price.
Closing costs + prepaids$15,051Not just lender fees.
Before credits & paid funds$25,128The complete starting cash picture.
Estimated remaining funds due at closing
$25,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,076.12
Your down payment$10,076.12
Closing costs + prepaids$15,051.43
Total buyer cash needed$25,127.55
Remaining funds due$25,127.55
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)$2,588.25
Initial HOA (3 months)$27.24
Prepaid interest, first (25 days)$1,960.94
Fees + prepaids$15,051.43
Your down payment is the seller’s equity. You take over the $414,924 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $25,127.55 is due at closing. Uses and sources reconcile at $440,051.43 each. Not a Closing Disclosure.