Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$191,606Cash toward the purchase price.
Closing costs + prepaids$11,520Not just lender fees.
Before credits & paid funds$203,126The complete starting cash picture.
Estimated remaining funds due at closing
$203,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,605.55
Your down payment$191,605.55
Closing costs + prepaids$11,520.22
Total buyer cash needed$203,125.77
Remaining funds due$203,125.77
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)$515.25
Prepaid interest, first (28 days)$529.97
Fees + prepaids$11,520.22
Your down payment is the seller’s equity. You take over the $233,394 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $203,125.77 is due at closing. Uses and sources reconcile at $436,520.22 each. Not a Closing Disclosure.