Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$283,269Cash toward the purchase price.
Closing costs + prepaids$11,993Not just lender fees.
Before credits & paid funds$295,263The complete starting cash picture.
Estimated remaining funds due at closing
$295,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,269.36
Your down payment$283,269.36
Closing costs + prepaids$11,993.40
Total buyer cash needed$295,262.76
Remaining funds due$295,262.76
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)$736.75
Prepaid interest, first (30 days)$781.65
Fees + prepaids$11,993.40
Your down payment is the seller’s equity. You take over the $141,731 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $295,262.76 is due at closing. Uses and sources reconcile at $436,993.40 each. Not a Closing Disclosure.