Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$12,972Cash toward the purchase price.
Closing costs + prepaids$12,757Not just lender fees.
Before credits & paid funds$25,729The complete starting cash picture.
Estimated remaining funds due at closing
$25,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,971.84
Your down payment$12,971.84
Closing costs + prepaids$12,756.98
Total buyer cash needed$25,728.82
Remaining funds due$25,728.82
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
Initial HOA (3 months)$417.00
Prepaid interest, first (17 days)$1,333.73
Fees + prepaids$12,756.98
Your down payment is the seller’s equity. You take over the $412,028 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $25,728.82 is due at closing. Uses and sources reconcile at $437,756.98 each. Not a Closing Disclosure.