Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$197,293Cash toward the purchase price.
Closing costs + prepaids$11,767Not just lender fees.
Before credits & paid funds$209,060The complete starting cash picture.
Estimated remaining funds due at closing
$209,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,293.01
Your down payment$197,293.01
Closing costs + prepaids$11,767.06
Total buyer cash needed$209,060.07
Remaining funds due$209,060.07
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)$1,018.00
Initial HOA (3 months)$240.00
Prepaid interest, first (2 days)$34.06
Fees + prepaids$11,767.06
Your down payment is the seller’s equity. You take over the $227,707 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $209,060.07 is due at closing. Uses and sources reconcile at $436,767.06 each. Not a Closing Disclosure.