Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$40,753Cash toward the purchase price.
Closing costs + prepaids$8,477Not just lender fees.
Before credits & paid funds$49,230The complete starting cash picture.
Estimated remaining funds due at closing
$49,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,752.78
Your down payment$40,752.78
Closing costs + prepaids$8,476.73
Total buyer cash needed$49,229.51
Remaining funds due$49,229.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.00
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)$515.00
Prepaid interest, first (25 days)$237.73
Fees + prepaids$8,476.73
Your down payment is the seller’s equity. You take over the $109,147 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $49,229.51 is due at closing. Uses and sources reconcile at $158,376.73 each. Not a Closing Disclosure.