Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$46,045Cash toward the purchase price.
Closing costs + prepaids$9,186Not just lender fees.
Before credits & paid funds$55,231The complete starting cash picture.
Estimated remaining funds due at closing
$55,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,045.14
Your down payment$46,045.14
Closing costs + prepaids$9,186.19
Total buyer cash needed$55,231.32
Remaining funds due$55,231.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,875.00
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)$489.75
Prepaid interest, first (27 days)$596.44
Fees + prepaids$9,186.19
Your down payment is the seller’s equity. You take over the $141,455 balance, so the rest of the $187,500 price is paid at closing. A second mortgage can cover part of it. $55,231.32 is due at closing. Uses and sources reconcile at $196,686.19 each. Not a Closing Disclosure.