Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$19,288Cash toward the purchase price.
Closing costs + prepaids$14,440Not just lender fees.
Before credits & paid funds$33,728The complete starting cash picture.
Estimated remaining funds due at closing
$33,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,287.59
Your down payment$19,287.59
Closing costs + prepaids$14,440.03
Total buyer cash needed$33,727.62
Remaining funds due$33,727.62
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)$1,949.25
Initial HOA (3 months)$285.00
Prepaid interest, first (23 days)$1,730.78
Fees + prepaids$14,440.03
Your down payment is the seller’s equity. You take over the $405,712 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $33,727.62 is due at closing. Uses and sources reconcile at $439,440.03 each. Not a Closing Disclosure.