Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$311,880Cash toward the purchase price.
Closing costs + prepaids$13,791Not just lender fees.
Before credits & paid funds$325,671The complete starting cash picture.
Estimated remaining funds due at closing
$325,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,879.92
Your down payment$311,879.92
Closing costs + prepaids$13,790.89
Total buyer cash needed$325,670.81
Remaining funds due$325,670.81
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)$1,082.50
Initial HOA (3 months)$1,815.00
Prepaid interest, first (27 days)$418.39
Fees + prepaids$13,790.89
Your down payment is the seller’s equity. You take over the $113,120 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $325,670.81 is due at closing. Uses and sources reconcile at $438,790.89 each. Not a Closing Disclosure.