Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$51,590Cash toward the purchase price.
Closing costs + prepaids$10,253Not just lender fees.
Before credits & paid funds$61,843The complete starting cash picture.
Estimated remaining funds due at closing
$61,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,590.33
Your down payment$51,590.33
Closing costs + prepaids$10,252.89
Total buyer cash needed$61,843.22
Remaining funds due$61,843.22
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)$433.25
Initial HOA (3 months)$1,842.00
Prepaid interest, first (5 days)$53.64
Fees + prepaids$10,252.89
Your down payment is the seller’s equity. You take over the $118,310 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $61,843.22 is due at closing. Uses and sources reconcile at $180,152.89 each. Not a Closing Disclosure.