Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$149,058Cash toward the purchase price.
Closing costs + prepaids$12,239Not just lender fees.
Before credits & paid funds$161,297The complete starting cash picture.
Estimated remaining funds due at closing
$161,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,058.19
Your down payment$149,058.19
Closing costs + prepaids$12,239.15
Total buyer cash needed$161,297.34
Remaining funds due$161,297.34
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)$1,062.50
Initial HOA (3 months)$96.24
Prepaid interest, first (28 days)$605.41
Fees + prepaids$12,239.15
Your down payment is the seller’s equity. You take over the $275,942 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $161,297.34 is due at closing. Uses and sources reconcile at $437,239.15 each. Not a Closing Disclosure.