Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$34,782Cash toward the purchase price.
Closing costs + prepaids$11,990Not just lender fees.
Before credits & paid funds$46,772The complete starting cash picture.
Estimated remaining funds due at closing
$46,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,781.97
Your down payment$34,781.97
Closing costs + prepaids$11,990.12
Total buyer cash needed$46,772.09
Remaining funds due$46,772.09
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)$276.00
Prepaid interest, first (10 days)$729.12
Fees + prepaids$11,990.12
Your down payment is the seller’s equity. You take over the $390,218 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $46,772.09 is due at closing. Uses and sources reconcile at $436,990.12 each. Not a Closing Disclosure.