Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$278,188Cash toward the purchase price.
Closing costs + prepaids$11,379Not just lender fees.
Before credits & paid funds$289,567The complete starting cash picture.
Estimated remaining funds due at closing
$289,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,188.29
Your down payment$278,188.29
Closing costs + prepaids$11,378.55
Total buyer cash needed$289,566.84
Remaining funds due$289,566.84
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)$361.00
Initial HOA (3 months)$49.50
Prepaid interest, first (18 days)$493.05
Fees + prepaids$11,378.55
Your down payment is the seller’s equity. You take over the $146,812 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $289,566.84 is due at closing. Uses and sources reconcile at $436,378.55 each. Not a Closing Disclosure.