Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$48,712Cash toward the purchase price.
Closing costs + prepaids$9,291Not just lender fees.
Before credits & paid funds$58,004The complete starting cash picture.
Estimated remaining funds due at closing
$58,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,712.32
Your down payment$48,712.32
Closing costs + prepaids$9,291.32
Total buyer cash needed$58,003.64
Remaining funds due$58,003.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,000.00
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)$485.75
Prepaid interest, first (23 days)$580.57
Fees + prepaids$9,291.32
Your down payment is the seller’s equity. You take over the $151,288 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $58,003.64 is due at closing. Uses and sources reconcile at $209,291.32 each. Not a Closing Disclosure.