Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$50,468Cash toward the purchase price.
Closing costs + prepaids$9,006Not just lender fees.
Before credits & paid funds$59,473The complete starting cash picture.
Estimated remaining funds due at closing
$59,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,467.54
Your down payment$50,467.54
Closing costs + prepaids$9,005.86
Total buyer cash needed$59,473.39
Remaining funds due$59,473.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,799.00
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)$377.25
Prepaid interest, first (25 days)$604.61
Fees + prepaids$9,005.86
Your down payment is the seller’s equity. You take over the $129,432 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $59,473.39 is due at closing. Uses and sources reconcile at $188,905.86 each. Not a Closing Disclosure.