Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$43,811Cash toward the purchase price.
Closing costs + prepaids$8,979Not just lender fees.
Before credits & paid funds$52,789The complete starting cash picture.
Estimated remaining funds due at closing
$52,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,810.66
Your down payment$43,810.66
Closing costs + prepaids$8,978.68
Total buyer cash needed$52,789.35
Remaining funds due$52,789.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,945.00
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)$486.25
Prepaid interest, first (22 days)$322.43
Fees + prepaids$8,978.68
Your down payment is the seller’s equity. You take over the $150,689 balance, so the rest of the $194,500 price is paid at closing. A second mortgage can cover part of it. $52,789.35 is due at closing. Uses and sources reconcile at $203,478.68 each. Not a Closing Disclosure.