Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$96,043Cash toward the purchase price.
Closing costs + prepaids$11,959Not just lender fees.
Before credits & paid funds$108,003The complete starting cash picture.
Estimated remaining funds due at closing
$108,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,043.37
Your down payment$96,043.37
Closing costs + prepaids$11,959.36
Total buyer cash needed$108,002.73
Remaining funds due$108,002.73
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)$533.50
Initial HOA (3 months)$276.00
Prepaid interest, first (26 days)$674.86
Fees + prepaids$11,959.36
Your down payment is the seller’s equity. You take over the $328,957 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $108,002.73 is due at closing. Uses and sources reconcile at $436,959.36 each. Not a Closing Disclosure.