Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$39,202Cash toward the purchase price.
Closing costs + prepaids$8,489Not just lender fees.
Before credits & paid funds$47,692The complete starting cash picture.
Estimated remaining funds due at closing
$47,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,202.41
Your down payment$39,202.41
Closing costs + prepaids$8,489.42
Total buyer cash needed$47,691.83
Remaining funds due$47,691.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,465.00
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)$296.00
Prepaid interest, first (25 days)$503.42
Fees + prepaids$8,489.42
Your down payment is the seller’s equity. You take over the $107,298 balance, so the rest of the $146,500 price is paid at closing. A second mortgage can cover part of it. $47,691.83 is due at closing. Uses and sources reconcile at $154,989.42 each. Not a Closing Disclosure.