Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$80,500Cash toward the purchase price.
Closing costs + prepaids$8,952Not just lender fees.
Before credits & paid funds$89,452The complete starting cash picture.
Estimated remaining funds due at closing
$89,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,499.91
Your down payment$80,499.91
Closing costs + prepaids$8,952.28
Total buyer cash needed$89,452.19
Remaining funds due$89,452.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.00
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)$655.00
Prepaid interest, first (24 days)$373.28
Fees + prepaids$8,952.28
Your down payment is the seller’s equity. You take over the $89,400 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $89,452.19 is due at closing. Uses and sources reconcile at $178,852.28 each. Not a Closing Disclosure.