Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$217,454Cash toward the purchase price.
Closing costs + prepaids$12,120Not just lender fees.
Before credits & paid funds$229,574The complete starting cash picture.
Estimated remaining funds due at closing
$229,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,453.91
Your down payment$217,453.91
Closing costs + prepaids$12,120.22
Total buyer cash needed$229,574.14
Remaining funds due$229,574.14
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)$1,062.50
Prepaid interest, first (28 days)$582.72
Fees + prepaids$12,120.22
Your down payment is the seller’s equity. You take over the $207,546 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $229,574.14 is due at closing. Uses and sources reconcile at $437,120.22 each. Not a Closing Disclosure.