Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$204,256Cash toward the purchase price.
Closing costs + prepaids$13,030Not just lender fees.
Before credits & paid funds$217,286The complete starting cash picture.
Estimated remaining funds due at closing
$217,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,256.05
Your down payment$204,256.05
Closing costs + prepaids$13,029.90
Total buyer cash needed$217,285.95
Remaining funds due$217,285.95
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)$452.25
Initial HOA (3 months)$1,068.00
Prepaid interest, first (26 days)$1,034.65
Fees + prepaids$13,029.90
Your down payment is the seller’s equity. You take over the $220,744 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $217,285.95 is due at closing. Uses and sources reconcile at $438,029.90 each. Not a Closing Disclosure.