Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$143,941Cash toward the purchase price.
Closing costs + prepaids$13,325Not just lender fees.
Before credits & paid funds$157,266The complete starting cash picture.
Estimated remaining funds due at closing
$157,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,941.29
Your down payment$143,941.29
Closing costs + prepaids$13,325.16
Total buyer cash needed$157,266.45
Remaining funds due$157,266.45
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)$1,947.25
Initial HOA (3 months)$182.01
Prepaid interest, first (31 days)$720.90
Fees + prepaids$13,325.16
Your down payment is the seller’s equity. You take over the $281,059 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $157,266.45 is due at closing. Uses and sources reconcile at $438,325.16 each. Not a Closing Disclosure.