Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$215,996Cash toward the purchase price.
Closing costs + prepaids$11,359Not just lender fees.
Before credits & paid funds$227,356The complete starting cash picture.
Estimated remaining funds due at closing
$227,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,996.31
Your down payment$215,996.31
Closing costs + prepaids$11,359.25
Total buyer cash needed$227,355.57
Remaining funds due$227,355.57
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)$353.50
Prepaid interest, first (31 days)$530.75
Fees + prepaids$11,359.25
Your down payment is the seller’s equity. You take over the $209,004 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $227,355.57 is due at closing. Uses and sources reconcile at $436,359.25 each. Not a Closing Disclosure.