Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$185,090Cash toward the purchase price.
Closing costs + prepaids$16,155Not just lender fees.
Before credits & paid funds$201,245The complete starting cash picture.
Estimated remaining funds due at closing
$201,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,089.64
Your down payment$185,089.64
Closing costs + prepaids$16,155.33
Total buyer cash needed$201,244.96
Remaining funds due$201,244.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$870.00
Initial HOA (3 months)$300.00
Prepaid interest, first (12 days)$510.33
Fees + prepaids$16,155.33
Your down payment is the seller’s equity. You take over the $539,910 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $201,244.96 is due at closing. Uses and sources reconcile at $741,155.33 each. Not a Closing Disclosure.