Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$53,834Cash toward the purchase price.
Closing costs + prepaids$8,477Not just lender fees.
Before credits & paid funds$62,311The complete starting cash picture.
Estimated remaining funds due at closing
$62,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,833.98
Your down payment$53,833.98
Closing costs + prepaids$8,477.15
Total buyer cash needed$62,311.13
Remaining funds due$62,311.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,849.00
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 (18 days)$284.40
Fees + prepaids$8,477.15
Your down payment is the seller’s equity. You take over the $131,066 balance, so the rest of the $184,900 price is paid at closing. A second mortgage can cover part of it. $62,311.13 is due at closing. Uses and sources reconcile at $193,377.15 each. Not a Closing Disclosure.