Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$49,345Cash toward the purchase price.
Closing costs + prepaids$7,385Not just lender fees.
Before credits & paid funds$56,730The complete starting cash picture.
Estimated remaining funds due at closing
$56,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,345.33
Your down payment$49,345.33
Closing costs + prepaids$7,385.01
Total buyer cash needed$56,730.34
Remaining funds due$56,730.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$949.00
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)$118.75
Prepaid interest, first (16 days)$92.26
Fees + prepaids$7,385.01
Your down payment is the seller’s equity. You take over the $45,555 balance, so the rest of the $94,900 price is paid at closing. A second mortgage can cover part of it. $56,730.34 is due at closing. Uses and sources reconcile at $102,285.01 each. Not a Closing Disclosure.