Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$52,346Cash toward the purchase price.
Closing costs + prepaids$8,443Not just lender fees.
Before credits & paid funds$60,789The complete starting cash picture.
Estimated remaining funds due at closing
$60,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,345.85
Your down payment$52,345.85
Closing costs + prepaids$8,443.10
Total buyer cash needed$60,788.94
Remaining funds due$60,788.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,449.00
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)$524.50
Prepaid interest, first (26 days)$244.60
Fees + prepaids$8,443.10
Your down payment is the seller’s equity. You take over the $92,554 balance, so the rest of the $144,900 price is paid at closing. A second mortgage can cover part of it. $60,788.94 is due at closing. Uses and sources reconcile at $153,343.10 each. Not a Closing Disclosure.