Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$54,173Cash toward the purchase price.
Closing costs + prepaids$8,180Not just lender fees.
Before credits & paid funds$62,353The complete starting cash picture.
Estimated remaining funds due at closing
$62,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,172.86
Your down payment$54,172.86
Closing costs + prepaids$8,180.37
Total buyer cash needed$62,353.23
Remaining funds due$62,353.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,649.00
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)$150.75
Prepaid interest, first (19 days)$155.62
Fees + prepaids$8,180.37
Your down payment is the seller’s equity. You take over the $110,727 balance, so the rest of the $164,900 price is paid at closing. A second mortgage can cover part of it. $62,353.23 is due at closing. Uses and sources reconcile at $173,080.37 each. Not a Closing Disclosure.