Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$52,574Cash toward the purchase price.
Closing costs + prepaids$8,727Not just lender fees.
Before credits & paid funds$61,301The complete starting cash picture.
Estimated remaining funds due at closing
$61,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,573.98
Your down payment$52,573.98
Closing costs + prepaids$8,726.74
Total buyer cash needed$61,300.72
Remaining funds due$61,300.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.99
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)$116.50
Prepaid interest, first (30 days)$685.25
Fees + prepaids$8,726.74
Your down payment is the seller’s equity. You take over the $117,425 balance, so the rest of the $169,999 price is paid at closing. A second mortgage can cover part of it. $61,300.72 is due at closing. Uses and sources reconcile at $178,725.74 each. Not a Closing Disclosure.