Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$48,752Cash toward the purchase price.
Closing costs + prepaids$8,410Not just lender fees.
Before credits & paid funds$57,162The complete starting cash picture.
Estimated remaining funds due at closing
$57,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,751.79
Your down payment$48,751.79
Closing costs + prepaids$8,410.28
Total buyer cash needed$57,162.06
Remaining funds due$57,162.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,550.00
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)$387.50
Prepaid interest, first (28 days)$247.78
Fees + prepaids$8,410.28
Your down payment is the seller’s equity. You take over the $106,248 balance, so the rest of the $155,000 price is paid at closing. A second mortgage can cover part of it. $57,162.06 is due at closing. Uses and sources reconcile at $163,410.28 each. Not a Closing Disclosure.