Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$143,891Cash toward the purchase price.
Closing costs + prepaids$11,722Not just lender fees.
Before credits & paid funds$155,613The complete starting cash picture.
Estimated remaining funds due at closing
$155,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,890.93
Your down payment$143,890.93
Closing costs + prepaids$11,722.32
Total buyer cash needed$155,613.25
Remaining funds due$155,613.25
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)$809.75
Initial HOA (3 months)$414.00
Prepaid interest, first (1 days)$23.57
Fees + prepaids$11,722.32
Your down payment is the seller’s equity. You take over the $281,109 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $155,613.25 is due at closing. Uses and sources reconcile at $436,722.32 each. Not a Closing Disclosure.