Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$48,550Cash toward the purchase price.
Closing costs + prepaids$10,065Not just lender fees.
Before credits & paid funds$58,615The complete starting cash picture.
Estimated remaining funds due at closing
$58,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,549.79
Your down payment$48,549.79
Closing costs + prepaids$10,065.11
Total buyer cash needed$58,614.90
Remaining funds due$58,614.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,199.99
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)$753.75
Prepaid interest, first (30 days)$886.37
Fees + prepaids$10,065.11
Your down payment is the seller’s equity. You take over the $171,449 balance, so the rest of the $219,999 price is paid at closing. A second mortgage can cover part of it. $58,614.90 is due at closing. Uses and sources reconcile at $230,064.11 each. Not a Closing Disclosure.