Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$25,135Cash toward the purchase price.
Closing costs + prepaids$12,705Not just lender fees.
Before credits & paid funds$37,841The complete starting cash picture.
Estimated remaining funds due at closing
$37,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,135.22
Your down payment$25,135.22
Closing costs + prepaids$12,705.42
Total buyer cash needed$37,840.63
Remaining funds due$37,840.63
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)$1,062.50
Initial HOA (3 months)$600.00
Prepaid interest, first (18 days)$567.92
Fees + prepaids$12,705.42
Your down payment is the seller’s equity. You take over the $399,865 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $37,840.63 is due at closing. Uses and sources reconcile at $437,705.42 each. Not a Closing Disclosure.