Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$51,267Cash toward the purchase price.
Closing costs + prepaids$8,776Not just lender fees.
Before credits & paid funds$60,043The complete starting cash picture.
Estimated remaining funds due at closing
$60,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,266.69
Your down payment$51,266.69
Closing costs + prepaids$8,776.49
Total buyer cash needed$60,043.18
Remaining funds due$60,043.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$473.00
Prepaid interest, first (30 days)$328.49
Fees + prepaids$8,776.49
Your down payment is the seller’s equity. You take over the $123,733 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $60,043.18 is due at closing. Uses and sources reconcile at $183,776.49 each. Not a Closing Disclosure.