Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$215,501Cash toward the purchase price.
Closing costs + prepaids$11,964Not just lender fees.
Before credits & paid funds$227,466The complete starting cash picture.
Estimated remaining funds due at closing
$227,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,501.34
Your down payment$215,501.34
Closing costs + prepaids$11,964.42
Total buyer cash needed$227,465.76
Remaining funds due$227,465.76
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)$704.75
Prepaid interest, first (31 days)$784.67
Fees + prepaids$11,964.42
Your down payment is the seller’s equity. You take over the $209,499 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $227,465.76 is due at closing. Uses and sources reconcile at $436,964.42 each. Not a Closing Disclosure.