Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$50,562Cash toward the purchase price.
Closing costs + prepaids$8,788Not just lender fees.
Before credits & paid funds$59,350The complete starting cash picture.
Estimated remaining funds due at closing
$59,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,562.40
Your down payment$50,562.40
Closing costs + prepaids$8,787.50
Total buyer cash needed$59,349.90
Remaining funds due$59,349.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$358.50
Prepaid interest, first (30 days)$554.00
Fees + prepaids$8,787.50
Your down payment is the seller’s equity. You take over the $114,438 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $59,349.90 is due at closing. Uses and sources reconcile at $173,787.50 each. Not a Closing Disclosure.