Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,171Cash toward the purchase price.
Closing costs + prepaids$7,649Not just lender fees.
Before credits & paid funds$52,820The complete starting cash picture.
Estimated remaining funds due at closing
$52,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,170.80
Your down payment$45,170.80
Closing costs + prepaids$7,649.05
Total buyer cash needed$52,819.85
Remaining funds due$52,819.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,070.00
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)$149.25
Prepaid interest, first (26 days)$204.80
Fees + prepaids$7,649.05
Your down payment is the seller’s equity. You take over the $61,829 balance, so the rest of the $107,000 price is paid at closing. A second mortgage can cover part of it. $52,819.85 is due at closing. Uses and sources reconcile at $114,649.05 each. Not a Closing Disclosure.