Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,710Cash toward the purchase price.
Closing costs + prepaids$9,130Not just lender fees.
Before credits & paid funds$49,839The complete starting cash picture.
Estimated remaining funds due at closing
$49,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,709.78
Your down payment$40,709.78
Closing costs + prepaids$9,129.53
Total buyer cash needed$49,839.31
Remaining funds due$49,839.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,690.00
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)$482.75
Prepaid interest, first (30 days)$731.78
Fees + prepaids$9,129.53
Your down payment is the seller’s equity. You take over the $128,290 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $49,839.31 is due at closing. Uses and sources reconcile at $178,129.53 each. Not a Closing Disclosure.