Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$337,862Cash toward the purchase price.
Closing costs + prepaids$12,254Not just lender fees.
Before credits & paid funds$350,117The complete starting cash picture.
Estimated remaining funds due at closing
$350,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,862.30
Your down payment$337,862.30
Closing costs + prepaids$12,254.38
Total buyer cash needed$350,116.67
Remaining funds due$350,116.67
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)$1,394.25
Initial HOA (3 months)$43.74
Prepaid interest, first (26 days)$341.39
Fees + prepaids$12,254.38
Your down payment is the seller’s equity. You take over the $87,138 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $350,116.67 is due at closing. Uses and sources reconcile at $437,254.38 each. Not a Closing Disclosure.