Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,519Cash toward the purchase price.
Closing costs + prepaids$12,442Not just lender fees.
Before credits & paid funds$44,960The complete starting cash picture.
Estimated remaining funds due at closing
$44,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,518.81
Your down payment$32,518.81
Closing costs + prepaids$12,441.61
Total buyer cash needed$44,960.42
Remaining funds due$44,960.42
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)$360.00
Initial HOA (3 months)$234.00
Prepaid interest, first (23 days)$1,372.61
Fees + prepaids$12,441.61
Your down payment is the seller’s equity. You take over the $392,481 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $44,960.42 is due at closing. Uses and sources reconcile at $437,441.61 each. Not a Closing Disclosure.