Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$35,280Cash toward the purchase price.
Closing costs + prepaids$12,574Not just lender fees.
Before credits & paid funds$47,854The complete starting cash picture.
Estimated remaining funds due at closing
$47,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,279.82
Your down payment$35,279.82
Closing costs + prepaids$12,574.44
Total buyer cash needed$47,854.26
Remaining funds due$47,854.26
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)$471.75
Initial HOA (3 months)$75.00
Prepaid interest, first (22 days)$1,552.69
Fees + prepaids$12,574.44
Your down payment is the seller’s equity. You take over the $389,720 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $47,854.26 is due at closing. Uses and sources reconcile at $437,574.44 each. Not a Closing Disclosure.