Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$58,597Cash toward the purchase price.
Closing costs + prepaids$8,667Not just lender fees.
Before credits & paid funds$67,264The complete starting cash picture.
Estimated remaining funds due at closing
$67,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,597.38
Your down payment$58,597.38
Closing costs + prepaids$8,667.09
Total buyer cash needed$67,264.47
Remaining funds due$67,264.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,690.00
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)$528.50
Prepaid interest, first (24 days)$223.59
Fees + prepaids$8,667.09
Your down payment is the seller’s equity. You take over the $110,403 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $67,264.47 is due at closing. Uses and sources reconcile at $177,667.09 each. Not a Closing Disclosure.