Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,824Cash toward the purchase price.
Closing costs + prepaids$8,396Not just lender fees.
Before credits & paid funds$60,220The complete starting cash picture.
Estimated remaining funds due at closing
$60,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,824.50
Your down payment$51,824.50
Closing costs + prepaids$8,395.84
Total buyer cash needed$60,220.34
Remaining funds due$60,220.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,925.00
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)$219.75
Prepaid interest, first (1 days)$26.09
Fees + prepaids$8,395.84
Your down payment is the seller’s equity. You take over the $140,676 balance, so the rest of the $192,500 price is paid at closing. A second mortgage can cover part of it. $60,220.34 is due at closing. Uses and sources reconcile at $200,895.84 each. Not a Closing Disclosure.