Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$44,281Cash toward the purchase price.
Closing costs + prepaids$8,780Not just lender fees.
Before credits & paid funds$53,061The complete starting cash picture.
Estimated remaining funds due at closing
$53,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,280.69
Your down payment$44,280.69
Closing costs + prepaids$8,780.35
Total buyer cash needed$53,061.04
Remaining funds due$53,061.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.00
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)$204.00
Initial HOA (3 months)$546.00
Prepaid interest, first (10 days)$106.35
Fees + prepaids$8,780.35
Your down payment is the seller’s equity. You take over the $125,619 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $53,061.04 is due at closing. Uses and sources reconcile at $178,680.35 each. Not a Closing Disclosure.