Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$226,433Cash toward the purchase price.
Closing costs + prepaids$11,989Not just lender fees.
Before credits & paid funds$238,422The complete starting cash picture.
Estimated remaining funds due at closing
$238,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,433.39
Your down payment$226,433.39
Closing costs + prepaids$11,988.98
Total buyer cash needed$238,422.37
Remaining funds due$238,422.37
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
Initial HOA (3 months)$825.00
Prepaid interest, first (10 days)$178.98
Fees + prepaids$11,988.98
Your down payment is the seller’s equity. You take over the $198,567 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $238,422.37 is due at closing. Uses and sources reconcile at $436,988.98 each. Not a Closing Disclosure.