Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,084Cash toward the purchase price.
Closing costs + prepaids$11,358Not just lender fees.
Before credits & paid funds$34,442The complete starting cash picture.
Estimated remaining funds due at closing
$34,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,084.40
Your down payment$23,084.40
Closing costs + prepaids$11,357.89
Total buyer cash needed$34,442.29
Remaining funds due$34,442.29
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)$738.75
Initial HOA (3 months)$67.50
Prepaid interest, first (1 days)$76.64
Fees + prepaids$11,357.89
Your down payment is the seller’s equity. You take over the $401,916 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $34,442.29 is due at closing. Uses and sources reconcile at $436,357.89 each. Not a Closing Disclosure.