Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,280Cash toward the purchase price.
Closing costs + prepaids$13,139Not just lender fees.
Before credits & paid funds$48,419The complete starting cash picture.
Estimated remaining funds due at closing
$48,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,279.82
Your down payment$35,279.82
Closing costs + prepaids$13,139.05
Total buyer cash needed$48,418.87
Remaining funds due$48,418.87
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)$471.75
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$2,117.30
Fees + prepaids$13,139.05
Your down payment is the seller’s equity. You take over the $389,720 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $48,418.87 is due at closing. Uses and sources reconcile at $438,139.05 each. Not a Closing Disclosure.