Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$43,418Cash toward the purchase price.
Closing costs + prepaids$8,329Not just lender fees.
Before credits & paid funds$51,747The complete starting cash picture.
Estimated remaining funds due at closing
$51,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,418.07
Your down payment$43,418.07
Closing costs + prepaids$8,329.39
Total buyer cash needed$51,747.46
Remaining funds due$51,747.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,595.00
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)$199.50
Prepaid interest, first (16 days)$309.89
Fees + prepaids$8,329.39
Your down payment is the seller’s equity. You take over the $116,082 balance, so the rest of the $159,500 price is paid at closing. A second mortgage can cover part of it. $51,747.46 is due at closing. Uses and sources reconcile at $167,829.39 each. Not a Closing Disclosure.