Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,177Cash toward the purchase price.
Closing costs + prepaids$8,288Not just lender fees.
Before credits & paid funds$60,465The complete starting cash picture.
Estimated remaining funds due at closing
$60,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,177.13
Your down payment$52,177.13
Closing costs + prepaids$8,288.28
Total buyer cash needed$60,465.41
Remaining funds due$60,465.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,385.00
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)$179.00
Prepaid interest, first (31 days)$499.28
Fees + prepaids$8,288.28
Your down payment is the seller’s equity. You take over the $86,323 balance, so the rest of the $138,500 price is paid at closing. A second mortgage can cover part of it. $60,465.41 is due at closing. Uses and sources reconcile at $146,788.28 each. Not a Closing Disclosure.