Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$303,407Cash toward the purchase price.
Closing costs + prepaids$12,229Not just lender fees.
Before credits & paid funds$315,637The complete starting cash picture.
Estimated remaining funds due at closing
$315,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,407.50
Your down payment$303,407.50
Closing costs + prepaids$12,229.10
Total buyer cash needed$315,636.60
Remaining funds due$315,636.60
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)$1,453.75
Prepaid interest, first (23 days)$300.35
Fees + prepaids$12,229.10
Your down payment is the seller’s equity. You take over the $121,593 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $315,636.60 is due at closing. Uses and sources reconcile at $437,229.10 each. Not a Closing Disclosure.