Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$55,938Cash toward the purchase price.
Closing costs + prepaids$8,635Not just lender fees.
Before credits & paid funds$64,572The complete starting cash picture.
Estimated remaining funds due at closing
$64,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,937.58
Your down payment$55,937.58
Closing costs + prepaids$8,634.90
Total buyer cash needed$64,572.48
Remaining funds due$64,572.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,845.00
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)$470.50
Prepaid interest, first (4 days)$94.40
Fees + prepaids$8,634.90
Your down payment is the seller’s equity. You take over the $128,562 balance, so the rest of the $184,500 price is paid at closing. A second mortgage can cover part of it. $64,572.48 is due at closing. Uses and sources reconcile at $193,134.90 each. Not a Closing Disclosure.