Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$13,710Cash toward the purchase price.
Closing costs + prepaids$12,471Not just lender fees.
Before credits & paid funds$26,181The complete starting cash picture.
Estimated remaining funds due at closing
$26,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,709.98
Your down payment$13,709.98
Closing costs + prepaids$12,471.31
Total buyer cash needed$26,181.29
Remaining funds due$26,181.29
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)$342.25
Prepaid interest, first (21 days)$1,654.06
Fees + prepaids$12,471.31
Your down payment is the seller’s equity. You take over the $411,290 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $26,181.29 is due at closing. Uses and sources reconcile at $437,471.31 each. Not a Closing Disclosure.