Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,222Cash toward the purchase price.
Closing costs + prepaids$12,061Not just lender fees.
Before credits & paid funds$38,284The complete starting cash picture.
Estimated remaining funds due at closing
$38,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,222.18
Your down payment$26,222.18
Closing costs + prepaids$12,061.40
Total buyer cash needed$38,283.57
Remaining funds due$38,283.57
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)$1,209.75
Initial HOA (3 months)$264.99
Prepaid interest, first (2 days)$111.66
Fees + prepaids$12,061.40
Your down payment is the seller’s equity. You take over the $398,778 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $38,283.57 is due at closing. Uses and sources reconcile at $437,061.40 each. Not a Closing Disclosure.