Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$48,906Cash toward the purchase price.
Closing costs + prepaids$8,540Not just lender fees.
Before credits & paid funds$57,447The complete starting cash picture.
Estimated remaining funds due at closing
$57,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,906.39
Your down payment$48,906.39
Closing costs + prepaids$8,540.12
Total buyer cash needed$57,446.51
Remaining funds due$57,446.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,950.00
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)$234.00
Prepaid interest, first (12 days)$131.12
Fees + prepaids$8,540.12
Your down payment is the seller’s equity. You take over the $146,094 balance, so the rest of the $195,000 price is paid at closing. A second mortgage can cover part of it. $57,446.51 is due at closing. Uses and sources reconcile at $203,540.12 each. Not a Closing Disclosure.