Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$51,352Cash toward the purchase price.
Closing costs + prepaids$9,037Not just lender fees.
Before credits & paid funds$60,389The complete starting cash picture.
Estimated remaining funds due at closing
$60,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,352.36
Your down payment$51,352.36
Closing costs + prepaids$9,037.12
Total buyer cash needed$60,389.48
Remaining funds due$60,389.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,796.00
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)$482.75
Prepaid interest, first (22 days)$533.37
Fees + prepaids$9,037.12
Your down payment is the seller’s equity. You take over the $128,248 balance, so the rest of the $179,600 price is paid at closing. A second mortgage can cover part of it. $60,389.48 is due at closing. Uses and sources reconcile at $188,637.12 each. Not a Closing Disclosure.