Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$46,526Cash toward the purchase price.
Closing costs + prepaids$8,875Not just lender fees.
Before credits & paid funds$55,401The complete starting cash picture.
Estimated remaining funds due at closing
$55,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,526.39
Your down payment$46,526.39
Closing costs + prepaids$8,874.99
Total buyer cash needed$55,401.38
Remaining funds due$55,401.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,850.00
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)$95.25
Prepaid interest, first (27 days)$704.74
Fees + prepaids$8,874.99
Your down payment is the seller’s equity. You take over the $138,474 balance, so the rest of the $185,000 price is paid at closing. A second mortgage can cover part of it. $55,401.38 is due at closing. Uses and sources reconcile at $193,874.99 each. Not a Closing Disclosure.