Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$58,082Cash toward the purchase price.
Closing costs + prepaids$8,422Not just lender fees.
Before credits & paid funds$66,503The complete starting cash picture.
Estimated remaining funds due at closing
$66,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,081.72
Your down payment$58,081.72
Closing costs + prepaids$8,421.61
Total buyer cash needed$66,503.33
Remaining funds due$66,503.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,499.00
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)$437.00
Prepaid interest, first (28 days)$260.61
Fees + prepaids$8,421.61
Your down payment is the seller’s equity. You take over the $91,818 balance, so the rest of the $149,900 price is paid at closing. A second mortgage can cover part of it. $66,503.33 is due at closing. Uses and sources reconcile at $158,321.61 each. Not a Closing Disclosure.