Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$194,137Cash toward the purchase price.
Closing costs + prepaids$11,250Not just lender fees.
Before credits & paid funds$205,387The complete starting cash picture.
Estimated remaining funds due at closing
$205,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,137.27
Your down payment$194,137.27
Closing costs + prepaids$11,249.70
Total buyer cash needed$205,386.97
Remaining funds due$205,386.97
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)$510.00
Prepaid interest, first (9 days)$264.70
Fees + prepaids$11,249.70
Your down payment is the seller’s equity. You take over the $230,863 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $205,386.97 is due at closing. Uses and sources reconcile at $436,249.70 each. Not a Closing Disclosure.