Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$212,184Cash toward the purchase price.
Closing costs + prepaids$11,189Not just lender fees.
Before credits & paid funds$223,373The complete starting cash picture.
Estimated remaining funds due at closing
$223,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,184.41
Your down payment$212,184.41
Closing costs + prepaids$11,188.83
Total buyer cash needed$223,373.23
Remaining funds due$223,373.23
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)$111.75
Initial HOA (3 months)$240.00
Prepaid interest, first (18 days)$362.08
Fees + prepaids$11,188.83
Your down payment is the seller’s equity. You take over the $212,816 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $223,373.23 is due at closing. Uses and sources reconcile at $436,188.83 each. Not a Closing Disclosure.