Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$114,419Cash toward the purchase price.
Closing costs + prepaids$12,649Not just lender fees.
Before credits & paid funds$127,068The complete starting cash picture.
Estimated remaining funds due at closing
$127,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,418.61
Your down payment$114,418.61
Closing costs + prepaids$12,649.18
Total buyer cash needed$127,067.79
Remaining funds due$127,067.79
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)$1,083.75
Initial HOA (3 months)$876.00
Prepaid interest, first (4 days)$214.43
Fees + prepaids$12,649.18
Your down payment is the seller’s equity. You take over the $310,581 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $127,067.79 is due at closing. Uses and sources reconcile at $437,649.18 each. Not a Closing Disclosure.