Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$207,063Cash toward the purchase price.
Closing costs + prepaids$10,747Not just lender fees.
Before credits & paid funds$217,809The complete starting cash picture.
Estimated remaining funds due at closing
$217,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,062.74
Your down payment$207,062.74
Closing costs + prepaids$10,746.61
Total buyer cash needed$217,809.35
Remaining funds due$217,809.35
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)$236.50
Prepaid interest, first (2 days)$35.11
Fees + prepaids$10,746.61
Your down payment is the seller’s equity. You take over the $217,937 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $217,809.35 is due at closing. Uses and sources reconcile at $435,746.61 each. Not a Closing Disclosure.