Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$199,280Cash toward the purchase price.
Closing costs + prepaids$13,097Not just lender fees.
Before credits & paid funds$212,377The complete starting cash picture.
Estimated remaining funds due at closing
$212,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,279.85
Your down payment$199,279.85
Closing costs + prepaids$13,096.71
Total buyer cash needed$212,376.56
Remaining funds due$212,376.56
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)$1,292.50
Initial HOA (3 months)$663.00
Prepaid interest, first (27 days)$666.21
Fees + prepaids$13,096.71
Your down payment is the seller’s equity. You take over the $225,720 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $212,376.56 is due at closing. Uses and sources reconcile at $438,096.71 each. Not a Closing Disclosure.