Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$261,927Cash toward the purchase price.
Closing costs + prepaids$11,905Not just lender fees.
Before credits & paid funds$273,832The complete starting cash picture.
Estimated remaining funds due at closing
$273,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,927.04
Your down payment$261,927.04
Closing costs + prepaids$11,905.00
Total buyer cash needed$273,832.04
Remaining funds due$273,832.04
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)$1,014.50
Prepaid interest, first (25 days)$415.50
Fees + prepaids$11,905.00
Your down payment is the seller’s equity. You take over the $163,073 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $273,832.04 is due at closing. Uses and sources reconcile at $436,905.00 each. Not a Closing Disclosure.