Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,445Cash toward the purchase price.
Closing costs + prepaids$14,018Not just lender fees.
Before credits & paid funds$52,463The complete starting cash picture.
Estimated remaining funds due at closing
$52,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,445.07
Your down payment$38,445.07
Closing costs + prepaids$14,018.11
Total buyer cash needed$52,463.18
Remaining funds due$52,463.18
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)$1,787.25
Initial HOA (3 months)$32.25
Prepaid interest, first (31 days)$1,723.61
Fees + prepaids$14,018.11
Your down payment is the seller’s equity. You take over the $386,555 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $52,463.18 is due at closing. Uses and sources reconcile at $439,018.11 each. Not a Closing Disclosure.