Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,105Cash toward the purchase price.
Closing costs + prepaids$7,872Not just lender fees.
Before credits & paid funds$48,977The complete starting cash picture.
Estimated remaining funds due at closing
$48,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,104.82
Your down payment$41,104.82
Closing costs + prepaids$7,871.69
Total buyer cash needed$48,976.51
Remaining funds due$48,976.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,099.00
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)$329.75
Prepaid interest, first (31 days)$217.94
Fees + prepaids$7,871.69
Your down payment is the seller’s equity. You take over the $68,795 balance, so the rest of the $109,900 price is paid at closing. A second mortgage can cover part of it. $48,976.51 is due at closing. Uses and sources reconcile at $117,771.69 each. Not a Closing Disclosure.