Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$289,611Cash toward the purchase price.
Closing costs + prepaids$11,765Not just lender fees.
Before credits & paid funds$301,376The complete starting cash picture.
Estimated remaining funds due at closing
$301,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,610.99
Your down payment$289,610.99
Closing costs + prepaids$11,765.33
Total buyer cash needed$301,376.31
Remaining funds due$301,376.31
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)$889.00
Initial HOA (3 months)$74.76
Prepaid interest, first (31 days)$326.57
Fees + prepaids$11,765.33
Your down payment is the seller’s equity. You take over the $135,389 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $301,376.31 is due at closing. Uses and sources reconcile at $436,765.33 each. Not a Closing Disclosure.