Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$224,317Cash toward the purchase price.
Closing costs + prepaids$11,377Not just lender fees.
Before credits & paid funds$235,694The complete starting cash picture.
Estimated remaining funds due at closing
$235,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,316.93
Your down payment$224,316.93
Closing costs + prepaids$11,377.49
Total buyer cash needed$235,694.42
Remaining funds due$235,694.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$510.00
Initial HOA (3 months)$200.01
Prepaid interest, first (9 days)$192.49
Fees + prepaids$11,377.49
Your down payment is the seller’s equity. You take over the $200,682 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $235,694.42 is due at closing. Uses and sources reconcile at $436,376.49 each. Not a Closing Disclosure.