Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,552Cash toward the purchase price.
Closing costs + prepaids$8,431Not just lender fees.
Before credits & paid funds$116,984The complete starting cash picture.
Estimated remaining funds due at closing
$116,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,552.15
Your down payment$108,552.15
Closing costs + prepaids$8,431.45
Total buyer cash needed$116,983.60
Remaining funds due$116,983.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$412.50
Prepaid interest, first (26 days)$143.95
Fees + prepaids$8,431.45
Your down payment is the seller’s equity. You take over the $56,448 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $116,983.60 is due at closing. Uses and sources reconcile at $173,431.45 each. Not a Closing Disclosure.