Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$158,833Cash toward the purchase price.
Closing costs + prepaids$11,758Not just lender fees.
Before credits & paid funds$170,591The complete starting cash picture.
Estimated remaining funds due at closing
$170,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,833.43
Your down payment$158,833.43
Closing costs + prepaids$11,758.05
Total buyer cash needed$170,591.47
Remaining funds due$170,591.47
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)$466.50
Initial HOA (3 months)$204.00
Prepaid interest, first (30 days)$612.55
Fees + prepaids$11,758.05
Your down payment is the seller’s equity. You take over the $266,167 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $170,591.47 is due at closing. Uses and sources reconcile at $436,758.05 each. Not a Closing Disclosure.