Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$16,868Cash toward the purchase price.
Closing costs + prepaids$6,995Not just lender fees.
Before credits & paid funds$23,863The complete starting cash picture.
Estimated remaining funds due at closing
$23,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,868.39
Your down payment$16,868.39
Closing costs + prepaids$6,994.78
Total buyer cash needed$23,863.17
Remaining funds due$23,863.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$500.00
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)$125.00
Prepaid interest, first (29 days)$144.78
Fees + prepaids$6,994.78
Your down payment is the seller’s equity. You take over the $33,132 balance, so the rest of the $50,000 price is paid at closing. A second mortgage can cover part of it. $23,863.17 is due at closing. Uses and sources reconcile at $56,994.78 each. Not a Closing Disclosure.