Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$192,561Cash toward the purchase price.
Closing costs + prepaids$12,248Not just lender fees.
Before credits & paid funds$204,809The complete starting cash picture.
Estimated remaining funds due at closing
$204,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,560.75
Your down payment$192,560.75
Closing costs + prepaids$12,248.19
Total buyer cash needed$204,808.94
Remaining funds due$204,808.94
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)$1,062.50
Prepaid interest, first (30 days)$710.69
Fees + prepaids$12,248.19
Your down payment is the seller’s equity. You take over the $232,439 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $204,808.94 is due at closing. Uses and sources reconcile at $437,248.19 each. Not a Closing Disclosure.