Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$137,761Cash toward the purchase price.
Closing costs + prepaids$12,481Not just lender fees.
Before credits & paid funds$150,242The complete starting cash picture.
Estimated remaining funds due at closing
$150,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,760.97
Your down payment$137,760.97
Closing costs + prepaids$12,481.25
Total buyer cash needed$150,242.22
Remaining funds due$150,242.22
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)$1,198.75
Prepaid interest, first (31 days)$807.50
Fees + prepaids$12,481.25
Your down payment is the seller’s equity. You take over the $287,239 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $150,242.22 is due at closing. Uses and sources reconcile at $437,481.25 each. Not a Closing Disclosure.