Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$48,906Cash toward the purchase price.
Closing costs + prepaids$8,706Not just lender fees.
Before credits & paid funds$57,612The complete starting cash picture.
Estimated remaining funds due at closing
$57,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,906.39
Your down payment$48,906.39
Closing costs + prepaids$8,705.82
Total buyer cash needed$57,612.21
Remaining funds due$57,612.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,950.00
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)$279.50
Prepaid interest, first (23 days)$251.32
Fees + prepaids$8,705.82
Your down payment is the seller’s equity. You take over the $146,094 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $57,612.21 is due at closing. Uses and sources reconcile at $203,705.82 each. Not a Closing Disclosure.