Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,820Cash toward the purchase price.
Closing costs + prepaids$12,577Not just lender fees.
Before credits & paid funds$31,398The complete starting cash picture.
Estimated remaining funds due at closing
$31,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,820.21
Your down payment$18,820.21
Closing costs + prepaids$12,577.45
Total buyer cash needed$31,397.66
Remaining funds due$31,397.66
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)$469.50
Prepaid interest, first (22 days)$1,632.95
Fees + prepaids$12,577.45
Your down payment is the seller’s equity. You take over the $406,180 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $31,397.66 is due at closing. Uses and sources reconcile at $437,577.45 each. Not a Closing Disclosure.