Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$191,937Cash toward the purchase price.
Closing costs + prepaids$12,253Not just lender fees.
Before credits & paid funds$204,190The complete starting cash picture.
Estimated remaining funds due at closing
$204,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,937.16
Your down payment$191,937.16
Closing costs + prepaids$12,252.57
Total buyer cash needed$204,189.73
Remaining funds due$204,189.73
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)$1,057.75
Initial HOA (3 months)$245.01
Prepaid interest, first (26 days)$474.81
Fees + prepaids$12,252.57
Your down payment is the seller’s equity. You take over the $233,063 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $204,189.73 is due at closing. Uses and sources reconcile at $437,252.57 each. Not a Closing Disclosure.