Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$47,693Cash toward the purchase price.
Closing costs + prepaids$9,321Not just lender fees.
Before credits & paid funds$57,014The complete starting cash picture.
Estimated remaining funds due at closing
$57,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,693.05
Your down payment$47,693.05
Closing costs + prepaids$9,321.23
Total buyer cash needed$57,014.28
Remaining funds due$57,014.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,835.00
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)$468.00
Initial HOA (3 months)$735.00
Prepaid interest, first (5 days)$58.23
Fees + prepaids$9,321.23
Your down payment is the seller’s equity. You take over the $135,807 balance, so the rest of the $183,500 price is paid at closing. A second mortgage can cover part of it. $57,014.28 is due at closing. Uses and sources reconcile at $192,821.23 each. Not a Closing Disclosure.