Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$44,859Cash toward the purchase price.
Closing costs + prepaids$8,503Not just lender fees.
Before credits & paid funds$53,362The complete starting cash picture.
Estimated remaining funds due at closing
$53,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,859.10
Your down payment$44,859.10
Closing costs + prepaids$8,502.83
Total buyer cash needed$53,361.93
Remaining funds due$53,361.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.00
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)$216.00
Prepaid interest, first (24 days)$262.83
Fees + prepaids$8,502.83
Your down payment is the seller’s equity. You take over the $135,041 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $53,361.93 is due at closing. Uses and sources reconcile at $188,402.83 each. Not a Closing Disclosure.