Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,625Cash toward the purchase price.
Closing costs + prepaids$10,849Not just lender fees.
Before credits & paid funds$42,474The complete starting cash picture.
Estimated remaining funds due at closing
$42,474No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,625.32
Your down payment$31,625.32
Closing costs + prepaids$10,849.06
Total buyer cash needed$42,474.38
Remaining funds due$42,474.38
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)$95.50
Initial HOA (3 months)$207.00
Prepaid interest, first (1 days)$71.56
Fees + prepaids$10,849.06
Your down payment is the seller’s equity. You take over the $393,375 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $42,474.38 is due at closing. Uses and sources reconcile at $435,849.06 each. Not a Closing Disclosure.