Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$189,073Cash toward the purchase price.
Closing costs + prepaids$11,887Not just lender fees.
Before credits & paid funds$200,959The complete starting cash picture.
Estimated remaining funds due at closing
$200,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,072.85
Your down payment$189,072.85
Closing costs + prepaids$11,886.59
Total buyer cash needed$200,959.44
Remaining funds due$200,959.44
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)$743.75
Prepaid interest, first (28 days)$667.84
Fees + prepaids$11,886.59
Your down payment is the seller’s equity. You take over the $235,927 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $200,959.44 is due at closing. Uses and sources reconcile at $436,886.59 each. Not a Closing Disclosure.