Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$148,638Cash toward the purchase price.
Closing costs + prepaids$12,322Not just lender fees.
Before credits & paid funds$160,960The complete starting cash picture.
Estimated remaining funds due at closing
$160,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,637.73
Your down payment$148,637.73
Closing costs + prepaids$12,322.40
Total buyer cash needed$160,960.13
Remaining funds due$160,960.13
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)$678.50
Prepaid interest, first (31 days)$1,168.90
Fees + prepaids$12,322.40
Your down payment is the seller’s equity. You take over the $276,362 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $160,960.13 is due at closing. Uses and sources reconcile at $437,322.40 each. Not a Closing Disclosure.