Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$226,156Cash toward the purchase price.
Closing costs + prepaids$11,498Not just lender fees.
Before credits & paid funds$237,654The complete starting cash picture.
Estimated remaining funds due at closing
$237,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,155.69
Your down payment$226,155.69
Closing costs + prepaids$11,498.45
Total buyer cash needed$237,654.14
Remaining funds due$237,654.14
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)$818.25
Initial HOA (3 months)$186.24
Prepaid interest, first (1 days)$18.96
Fees + prepaids$11,498.45
Your down payment is the seller’s equity. You take over the $198,844 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $237,654.14 is due at closing. Uses and sources reconcile at $436,498.45 each. Not a Closing Disclosure.