Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$40,871Cash toward the purchase price.
Closing costs + prepaids$8,938Not just lender fees.
Before credits & paid funds$49,809The complete starting cash picture.
Estimated remaining funds due at closing
$49,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,871.14
Your down payment$40,871.14
Closing costs + prepaids$8,938.05
Total buyer cash needed$49,809.19
Remaining funds due$49,809.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,529.99
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)$79.75
Initial HOA (3 months)$810.00
Prepaid interest, first (31 days)$293.31
Fees + prepaids$8,938.05
Your down payment is the seller’s equity. You take over the $112,128 balance, so the rest of the $152,999 price is paid at closing. A second mortgage can cover part of it. $49,809.19 is due at closing. Uses and sources reconcile at $161,937.05 each. Not a Closing Disclosure.