Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$221,859Cash toward the purchase price.
Closing costs + prepaids$11,062Not just lender fees.
Before credits & paid funds$232,921The complete starting cash picture.
Estimated remaining funds due at closing
$232,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,858.81
Your down payment$221,858.81
Closing costs + prepaids$11,062.09
Total buyer cash needed$232,920.91
Remaining funds due$232,920.91
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)$362.00
Initial HOA (3 months)$174.00
Prepaid interest, first (2 days)$51.09
Fees + prepaids$11,062.09
Your down payment is the seller’s equity. You take over the $203,141 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $232,920.91 is due at closing. Uses and sources reconcile at $436,062.09 each. Not a Closing Disclosure.