Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$325,836Cash toward the purchase price.
Closing costs + prepaids$11,262Not just lender fees.
Before credits & paid funds$337,098The complete starting cash picture.
Estimated remaining funds due at closing
$337,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,835.61
Your down payment$325,835.61
Closing costs + prepaids$11,262.27
Total buyer cash needed$337,097.88
Remaining funds due$337,097.88
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)$477.25
Initial HOA (3 months)$106.26
Prepaid interest, first (25 days)$203.76
Fees + prepaids$11,262.27
Your down payment is the seller’s equity. You take over the $99,164 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $337,097.88 is due at closing. Uses and sources reconcile at $436,262.27 each. Not a Closing Disclosure.