Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$226,734Cash toward the purchase price.
Closing costs + prepaids$11,914Not just lender fees.
Before credits & paid funds$238,648The complete starting cash picture.
Estimated remaining funds due at closing
$238,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,733.55
Your down payment$226,733.55
Closing costs + prepaids$11,914.26
Total buyer cash needed$238,647.81
Remaining funds due$238,647.81
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)$818.25
Initial HOA (3 months)$186.24
Prepaid interest, first (23 days)$434.77
Fees + prepaids$11,914.26
Your down payment is the seller’s equity. You take over the $198,266 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $238,647.81 is due at closing. Uses and sources reconcile at $436,914.26 each. Not a Closing Disclosure.