Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$37,599Cash toward the purchase price.
Closing costs + prepaids$13,881Not just lender fees.
Before credits & paid funds$51,480The complete starting cash picture.
Estimated remaining funds due at closing
$51,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,599.26
Your down payment$37,599.26
Closing costs + prepaids$13,880.59
Total buyer cash needed$51,479.85
Remaining funds due$51,479.85
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)$1,038.25
Initial HOA (3 months)$390.00
Prepaid interest, first (27 days)$1,977.34
Fees + prepaids$13,880.59
Your down payment is the seller’s equity. You take over the $387,401 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $51,479.85 is due at closing. Uses and sources reconcile at $438,880.59 each. Not a Closing Disclosure.