Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$222,314Cash toward the purchase price.
Closing costs + prepaids$11,597Not just lender fees.
Before credits & paid funds$233,911The complete starting cash picture.
Estimated remaining funds due at closing
$233,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,313.59
Your down payment$222,313.59
Closing costs + prepaids$11,597.24
Total buyer cash needed$233,910.83
Remaining funds due$233,910.83
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)$362.00
Initial HOA (3 months)$174.00
Prepaid interest, first (23 days)$586.24
Fees + prepaids$11,597.24
Your down payment is the seller’s equity. You take over the $202,686 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $233,910.83 is due at closing. Uses and sources reconcile at $436,597.24 each. Not a Closing Disclosure.