Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$412,473Cash toward the purchase price.
Closing costs + prepaids$11,066Not just lender fees.
Before credits & paid funds$423,539The complete starting cash picture.
Estimated remaining funds due at closing
$423,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$412,473.27
Your down payment$412,473.27
Closing costs + prepaids$11,066.05
Total buyer cash needed$423,539.32
Remaining funds due$423,539.32
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)$360.25
Initial HOA (3 months)$182.01
Prepaid interest, first (21 days)$48.79
Fees + prepaids$11,066.05
Your down payment is the seller’s equity. You take over the $12,527 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $423,539.32 is due at closing. Uses and sources reconcile at $436,066.05 each. Not a Closing Disclosure.