Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,644Cash toward the purchase price.
Closing costs + prepaids$9,353Not just lender fees.
Before credits & paid funds$53,998The complete starting cash picture.
Estimated remaining funds due at closing
$53,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,644.36
Your down payment$44,644.36
Closing costs + prepaids$9,353.44
Total buyer cash needed$53,997.81
Remaining funds due$53,997.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,030.00
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)$378.25
Prepaid interest, first (25 days)$720.19
Fees + prepaids$9,353.44
Your down payment is the seller’s equity. You take over the $158,356 balance, so the rest of the $203,000 price is paid at closing. A second mortgage can cover part of it. $53,997.81 is due at closing. Uses and sources reconcile at $212,353.44 each. Not a Closing Disclosure.