Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,301Cash toward the purchase price.
Closing costs + prepaids$13,086Not just lender fees.
Before credits & paid funds$33,386The complete starting cash picture.
Estimated remaining funds due at closing
$33,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,300.50
Your down payment$20,300.50
Closing costs + prepaids$13,085.73
Total buyer cash needed$33,386.23
Remaining funds due$33,386.23
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)$1,450.25
Initial HOA (3 months)$336.00
Prepaid interest, first (26 days)$824.48
Fees + prepaids$13,085.73
Your down payment is the seller’s equity. You take over the $404,699 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $33,386.23 is due at closing. Uses and sources reconcile at $438,085.73 each. Not a Closing Disclosure.