Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$47,450Cash toward the purchase price.
Closing costs + prepaids$8,920Not just lender fees.
Before credits & paid funds$56,369The complete starting cash picture.
Estimated remaining funds due at closing
$56,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,449.55
Your down payment$47,449.55
Closing costs + prepaids$8,919.57
Total buyer cash needed$56,369.12
Remaining funds due$56,369.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,999.00
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)$667.75
Prepaid interest, first (2 days)$27.82
Fees + prepaids$8,919.57
Your down payment is the seller’s equity. You take over the $152,450 balance, so the rest of the $199,900 price is paid at closing. A second mortgage can cover part of it. $56,369.12 is due at closing. Uses and sources reconcile at $208,819.57 each. Not a Closing Disclosure.