Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$47,163Cash toward the purchase price.
Closing costs + prepaids$9,262Not just lender fees.
Before credits & paid funds$56,424The complete starting cash picture.
Estimated remaining funds due at closing
$56,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,162.63
Your down payment$47,162.63
Closing costs + prepaids$9,261.71
Total buyer cash needed$56,424.33
Remaining funds due$56,424.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,929.00
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)$789.00
Prepaid interest, first (26 days)$318.71
Fees + prepaids$9,261.71
Your down payment is the seller’s equity. You take over the $145,737 balance, so the rest of the $192,900 price is paid at closing. A second mortgage can cover part of it. $56,424.33 is due at closing. Uses and sources reconcile at $202,161.71 each. Not a Closing Disclosure.