Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$133,759Cash toward the purchase price.
Closing costs + prepaids$12,255Not just lender fees.
Before credits & paid funds$146,014The complete starting cash picture.
Estimated remaining funds due at closing
$146,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,759.04
Your down payment$133,759.04
Closing costs + prepaids$12,255.45
Total buyer cash needed$146,014.50
Remaining funds due$146,014.50
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)$360.50
Initial HOA (3 months)$405.00
Prepaid interest, first (20 days)$1,014.95
Fees + prepaids$12,255.45
Your down payment is the seller’s equity. You take over the $291,241 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $146,014.50 is due at closing. Uses and sources reconcile at $437,255.45 each. Not a Closing Disclosure.