Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$50,508Cash toward the purchase price.
Closing costs + prepaids$8,129Not just lender fees.
Before credits & paid funds$58,637The complete starting cash picture.
Estimated remaining funds due at closing
$58,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,508.41
Your down payment$50,508.41
Closing costs + prepaids$8,128.80
Total buyer cash needed$58,637.21
Remaining funds due$58,637.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,150.00
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)$535.25
Prepaid interest, first (31 days)$218.55
Fees + prepaids$8,128.80
Your down payment is the seller’s equity. You take over the $64,492 balance, so the rest of the $115,000 price is paid at closing. A second mortgage can cover part of it. $58,637.21 is due at closing. Uses and sources reconcile at $123,128.80 each. Not a Closing Disclosure.