Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$40,264Cash toward the purchase price.
Closing costs + prepaids$7,447Not just lender fees.
Before credits & paid funds$47,711The complete starting cash picture.
Estimated remaining funds due at closing
$47,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,263.92
Your down payment$40,263.92
Closing costs + prepaids$7,446.97
Total buyer cash needed$47,710.88
Remaining funds due$47,710.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$950.00
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 (17 days)$153.22
Fees + prepaids$7,446.97
Your down payment is the seller’s equity. You take over the $54,736 balance, so the rest of the $95,000 price is paid at closing. A second mortgage can cover part of it. $47,710.88 is due at closing. Uses and sources reconcile at $102,446.97 each. Not a Closing Disclosure.