Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$164,659Cash toward the purchase price.
Closing costs + prepaids$8,274Not just lender fees.
Before credits & paid funds$172,933The complete starting cash picture.
Estimated remaining funds due at closing
$172,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,658.86
Your down payment$164,658.86
Closing costs + prepaids$8,273.87
Total buyer cash needed$172,932.72
Remaining funds due$172,932.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,700.00
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)$322.50
Prepaid interest, first (26 days)$26.37
Fees + prepaids$8,273.87
Your down payment is the seller’s equity. You take over the $5,341 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $172,932.72 is due at closing. Uses and sources reconcile at $178,273.87 each. Not a Closing Disclosure.