Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$42,826Cash toward the purchase price.
Closing costs + prepaids$8,205Not just lender fees.
Before credits & paid funds$51,031The complete starting cash picture.
Estimated remaining funds due at closing
$51,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,825.97
Your down payment$42,825.97
Closing costs + prepaids$8,204.59
Total buyer cash needed$51,030.56
Remaining funds due$51,030.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,500.00
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)$66.75
Prepaid interest, first (20 days)$412.84
Fees + prepaids$8,204.59
Your down payment is the seller’s equity. You take over the $107,174 balance, so the rest of the $150,000 price is paid at closing. A second mortgage can cover part of it. $51,030.56 is due at closing. Uses and sources reconcile at $158,204.59 each. Not a Closing Disclosure.