Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$45,000Cash toward the purchase price.
Closing costs + prepaids$6,793Not just lender fees.
Before credits & paid funds$51,793The complete starting cash picture.
Estimated remaining funds due at closing
$51,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,000.00
Your down payment$45,000.00
Closing costs + prepaids$6,792.75
Total buyer cash needed$51,792.75
Remaining funds due$51,792.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$450.00
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)$117.75
Prepaid interest, first (25 days)$0.00
Fees + prepaids$6,792.75
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $45,000 price is paid at closing. A second mortgage can cover part of it. $51,792.75 is due at closing. Uses and sources reconcile at $51,792.75 each. Not a Closing Disclosure.