Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$194,881Cash toward the purchase price.
Closing costs + prepaids$11,398Not just lender fees.
Before credits & paid funds$206,278The complete starting cash picture.
Estimated remaining funds due at closing
$206,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,880.94
Your down payment$194,880.94
Closing costs + prepaids$11,397.54
Total buyer cash needed$206,278.48
Remaining funds due$206,278.48
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)$276.25
Initial HOA (3 months)$216.00
Prepaid interest, first (25 days)$430.29
Fees + prepaids$11,397.54
Your down payment is the seller’s equity. You take over the $230,119 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $206,278.48 is due at closing. Uses and sources reconcile at $436,397.54 each. Not a Closing Disclosure.