Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$41,042Cash toward the purchase price.
Closing costs + prepaids$8,660Not just lender fees.
Before credits & paid funds$49,702The complete starting cash picture.
Estimated remaining funds due at closing
$49,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,041.92
Your down payment$41,041.92
Closing costs + prepaids$8,660.29
Total buyer cash needed$49,702.21
Remaining funds due$49,702.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,939.29
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)$242.50
Prepaid interest, first (17 days)$253.50
Fees + prepaids$8,660.29
Your down payment is the seller’s equity. You take over the $152,887 balance, so the rest of the $193,929 price is paid at closing. A second mortgage can cover part of it. $49,702.21 is due at closing. Uses and sources reconcile at $202,589.29 each. Not a Closing Disclosure.