Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$46,485Cash toward the purchase price.
Closing costs + prepaids$9,863Not just lender fees.
Before credits & paid funds$56,348The complete starting cash picture.
Estimated remaining funds due at closing
$56,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,484.75
Your down payment$46,484.75
Closing costs + prepaids$9,862.81
Total buyer cash needed$56,347.56
Remaining funds due$56,347.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,590.00
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)$162.00
Initial HOA (3 months)$1,554.00
Prepaid interest, first (26 days)$331.81
Fees + prepaids$9,862.81
Your down payment is the seller’s equity. You take over the $112,515 balance, so the rest of the $159,000 price is paid at closing. A second mortgage can cover part of it. $56,347.56 is due at closing. Uses and sources reconcile at $168,862.81 each. Not a Closing Disclosure.