Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$53,786Cash toward the purchase price.
Closing costs + prepaids$8,636Not just lender fees.
Before credits & paid funds$62,422The complete starting cash picture.
Estimated remaining funds due at closing
$62,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,785.73
Your down payment$53,785.73
Closing costs + prepaids$8,636.13
Total buyer cash needed$62,421.86
Remaining funds due$62,421.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,599.00
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)$350.75
Prepaid interest, first (23 days)$461.38
Fees + prepaids$8,636.13
Your down payment is the seller’s equity. You take over the $106,114 balance, so the rest of the $159,900 price is paid at closing. A second mortgage can cover part of it. $62,421.86 is due at closing. Uses and sources reconcile at $168,536.13 each. Not a Closing Disclosure.