Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$135,159Cash toward the purchase price.
Closing costs + prepaids$12,384Not just lender fees.
Before credits & paid funds$147,543The complete starting cash picture.
Estimated remaining funds due at closing
$147,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,159.48
Your down payment$135,159.48
Closing costs + prepaids$12,383.68
Total buyer cash needed$147,543.16
Remaining funds due$147,543.16
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)$510.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (9 days)$198.68
Fees + prepaids$12,383.68
Your down payment is the seller’s equity. You take over the $289,841 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $147,543.16 is due at closing. Uses and sources reconcile at $437,383.68 each. Not a Closing Disclosure.