Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$168,657Cash toward the purchase price.
Closing costs + prepaids$12,387Not just lender fees.
Before credits & paid funds$181,043The complete starting cash picture.
Estimated remaining funds due at closing
$181,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,656.72
Your down payment$168,656.72
Closing costs + prepaids$12,386.52
Total buyer cash needed$181,043.24
Remaining funds due$181,043.24
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)$1,190.75
Initial HOA (3 months)$234.00
Prepaid interest, first (29 days)$486.77
Fees + prepaids$12,386.52
Your down payment is the seller’s equity. You take over the $256,343 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $181,043.24 is due at closing. Uses and sources reconcile at $437,386.52 each. Not a Closing Disclosure.