Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$165,125Cash toward the purchase price.
Closing costs + prepaids$11,732Not just lender fees.
Before credits & paid funds$176,857The complete starting cash picture.
Estimated remaining funds due at closing
$176,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,125.15
Your down payment$165,125.15
Closing costs + prepaids$11,732.05
Total buyer cash needed$176,857.20
Remaining funds due$176,857.20
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)$1,039.75
Initial HOA (3 months)$177.00
Prepaid interest, first (2 days)$40.30
Fees + prepaids$11,732.05
Your down payment is the seller’s equity. You take over the $259,875 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $176,857.20 is due at closing. Uses and sources reconcile at $436,732.05 each. Not a Closing Disclosure.