Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$134,456Cash toward the purchase price.
Closing costs + prepaids$12,683Not just lender fees.
Before credits & paid funds$147,138The complete starting cash picture.
Estimated remaining funds due at closing
$147,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,455.63
Your down payment$134,455.63
Closing costs + prepaids$12,682.63
Total buyer cash needed$147,138.26
Remaining funds due$147,138.26
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)$760.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (1 days)$22.13
Fees + prepaids$12,682.63
Your down payment is the seller’s equity. You take over the $290,544 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $147,138.26 is due at closing. Uses and sources reconcile at $437,682.63 each. Not a Closing Disclosure.