Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$215,345Cash toward the purchase price.
Closing costs + prepaids$11,031Not just lender fees.
Before credits & paid funds$226,376The complete starting cash picture.
Estimated remaining funds due at closing
$226,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,345.18
Your down payment$215,345.18
Closing costs + prepaids$11,030.57
Total buyer cash needed$226,375.74
Remaining funds due$226,375.74
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)$322.75
Initial HOA (3 months)$213.00
Prepaid interest, first (1 days)$19.82
Fees + prepaids$11,030.57
Your down payment is the seller’s equity. You take over the $209,655 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $226,375.74 is due at closing. Uses and sources reconcile at $436,030.57 each. Not a Closing Disclosure.