Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,809Cash toward the purchase price.
Closing costs + prepaids$9,088Not just lender fees.
Before credits & paid funds$60,897The complete starting cash picture.
Estimated remaining funds due at closing
$60,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,808.57
Your down payment$51,808.57
Closing costs + prepaids$9,088.03
Total buyer cash needed$60,896.59
Remaining funds due$60,896.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,600.00
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)$982.50
Prepaid interest, first (26 days)$280.53
Fees + prepaids$9,088.03
Your down payment is the seller’s equity. You take over the $108,191 balance, so the rest of the $160,000 price is paid at closing. A second mortgage can cover part of it. $60,896.59 is due at closing. Uses and sources reconcile at $169,088.03 each. Not a Closing Disclosure.