Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$274,489Cash toward the purchase price.
Closing costs + prepaids$11,200Not just lender fees.
Before credits & paid funds$285,689The complete starting cash picture.
Estimated remaining funds due at closing
$285,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,488.66
Your down payment$274,488.66
Closing costs + prepaids$11,200.11
Total buyer cash needed$285,688.77
Remaining funds due$285,688.77
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)$531.75
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$13.36
Fees + prepaids$11,200.11
Your down payment is the seller’s equity. You take over the $150,511 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $285,688.77 is due at closing. Uses and sources reconcile at $436,200.11 each. Not a Closing Disclosure.