Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$104,039Cash toward the purchase price.
Closing costs + prepaids$8,934Not just lender fees.
Before credits & paid funds$112,973The complete starting cash picture.
Estimated remaining funds due at closing
$112,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,038.89
Your down payment$104,038.89
Closing costs + prepaids$8,933.69
Total buyer cash needed$112,972.57
Remaining funds due$112,972.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.99
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)$859.50
Prepaid interest, first (24 days)$149.20
Fees + prepaids$8,933.69
Your down payment is the seller’s equity. You take over the $65,960 balance, so the rest of the $169,999 price is paid at closing. A second mortgage can cover part of it. $112,972.57 is due at closing. Uses and sources reconcile at $178,932.69 each. Not a Closing Disclosure.