Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$97,646Cash toward the purchase price.
Closing costs + prepaids$8,717Not just lender fees.
Before credits & paid funds$106,363The complete starting cash picture.
Estimated remaining funds due at closing
$106,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,645.93
Your down payment$97,645.93
Closing costs + prepaids$8,716.63
Total buyer cash needed$106,362.56
Remaining funds due$106,362.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,590.00
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)$710.00
Prepaid interest, first (24 days)$191.63
Fees + prepaids$8,716.63
Your down payment is the seller’s equity. You take over the $61,354 balance, so the rest of the $159,000 price is paid at closing. A second mortgage can cover part of it. $106,362.56 is due at closing. Uses and sources reconcile at $167,716.63 each. Not a Closing Disclosure.