Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$207,585Cash toward the purchase price.
Closing costs + prepaids$11,114Not just lender fees.
Before credits & paid funds$218,699The complete starting cash picture.
Estimated remaining funds due at closing
$218,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,584.52
Your down payment$207,584.52
Closing costs + prepaids$11,114.28
Total buyer cash needed$218,698.81
Remaining funds due$218,698.81
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)$236.50
Prepaid interest, first (23 days)$402.78
Fees + prepaids$11,114.28
Your down payment is the seller’s equity. You take over the $217,415 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $218,698.81 is due at closing. Uses and sources reconcile at $436,114.28 each. Not a Closing Disclosure.