Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$194,881Cash toward the purchase price.
Closing costs + prepaids$11,415Not just lender fees.
Before credits & paid funds$206,296The complete starting cash picture.
Estimated remaining funds due at closing
$206,296No 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$11,414.75
Total buyer cash needed$206,295.69
Remaining funds due$206,295.69
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 (26 days)$447.50
Fees + prepaids$11,414.75
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. $206,295.69 is due at closing. Uses and sources reconcile at $436,414.75 each. Not a Closing Disclosure.