Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$54,513Cash toward the purchase price.
Closing costs + prepaids$8,172Not just lender fees.
Before credits & paid funds$62,685The complete starting cash picture.
Estimated remaining funds due at closing
$62,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,513.43
Your down payment$54,513.43
Closing costs + prepaids$8,171.98
Total buyer cash needed$62,685.41
Remaining funds due$62,685.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,349.00
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)$247.25
Prepaid interest, first (25 days)$350.73
Fees + prepaids$8,171.98
Your down payment is the seller’s equity. You take over the $80,387 balance, so the rest of the $134,900 price is paid at closing. A second mortgage can cover part of it. $62,685.41 is due at closing. Uses and sources reconcile at $143,071.98 each. Not a Closing Disclosure.