Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$42,121Cash toward the purchase price.
Closing costs + prepaids$9,169Not just lender fees.
Before credits & paid funds$51,290The complete starting cash picture.
Estimated remaining funds due at closing
$51,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,120.61
Your down payment$42,120.61
Closing costs + prepaids$9,169.02
Total buyer cash needed$51,289.62
Remaining funds due$51,289.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,815.00
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)$480.50
Prepaid interest, first (27 days)$648.52
Fees + prepaids$9,169.02
Your down payment is the seller’s equity. You take over the $139,379 balance, so the rest of the $181,500 price is paid at closing. A second mortgage can cover part of it. $51,289.62 is due at closing. Uses and sources reconcile at $190,669.02 each. Not a Closing Disclosure.