Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$180,829Cash toward the purchase price.
Closing costs + prepaids$13,041Not just lender fees.
Before credits & paid funds$193,870The complete starting cash picture.
Estimated remaining funds due at closing
$193,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,829.33
Your down payment$180,829.33
Closing costs + prepaids$13,040.70
Total buyer cash needed$193,870.03
Remaining funds due$193,870.03
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)$1,340.00
Initial HOA (3 months)$500.01
Prepaid interest, first (24 days)$725.69
Fees + prepaids$13,040.70
Your down payment is the seller’s equity. You take over the $244,171 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $193,870.03 is due at closing. Uses and sources reconcile at $438,040.70 each. Not a Closing Disclosure.