Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$147,578Cash toward the purchase price.
Closing costs + prepaids$11,691Not just lender fees.
Before credits & paid funds$159,269The complete starting cash picture.
Estimated remaining funds due at closing
$159,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,577.85
Your down payment$147,577.85
Closing costs + prepaids$11,691.06
Total buyer cash needed$159,268.92
Remaining funds due$159,268.92
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)$531.25
Prepaid interest, first (17 days)$684.81
Fees + prepaids$11,691.06
Your down payment is the seller’s equity. You take over the $277,422 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $159,268.92 is due at closing. Uses and sources reconcile at $436,691.06 each. Not a Closing Disclosure.