Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,011Cash toward the purchase price.
Closing costs + prepaids$12,422Not just lender fees.
Before credits & paid funds$44,433The complete starting cash picture.
Estimated remaining funds due at closing
$44,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,011.44
Your down payment$32,011.44
Closing costs + prepaids$12,421.81
Total buyer cash needed$44,433.25
Remaining funds due$44,433.25
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)$95.50
Initial HOA (3 months)$207.00
Prepaid interest, first (23 days)$1,644.31
Fees + prepaids$12,421.81
Your down payment is the seller’s equity. You take over the $392,989 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $44,433.25 is due at closing. Uses and sources reconcile at $437,421.81 each. Not a Closing Disclosure.