Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$257,032Cash toward the purchase price.
Closing costs + prepaids$11,146Not just lender fees.
Before credits & paid funds$268,178The complete starting cash picture.
Estimated remaining funds due at closing
$268,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,031.97
Your down payment$257,031.97
Closing costs + prepaids$11,146.33
Total buyer cash needed$268,178.30
Remaining funds due$268,178.30
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)$60.00
Prepaid interest, first (6 days)$101.33
Fees + prepaids$11,146.33
Your down payment is the seller’s equity. You take over the $167,968 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $268,178.30 is due at closing. Uses and sources reconcile at $436,146.33 each. Not a Closing Disclosure.