Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$100,117Cash toward the purchase price.
Closing costs + prepaids$8,756Not just lender fees.
Before credits & paid funds$108,873The complete starting cash picture.
Estimated remaining funds due at closing
$108,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,117.17
Your down payment$100,117.17
Closing costs + prepaids$8,756.30
Total buyer cash needed$108,873.47
Remaining funds due$108,873.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,790.00
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)$314.75
Prepaid interest, first (27 days)$426.55
Fees + prepaids$8,756.30
Your down payment is the seller’s equity. You take over the $78,883 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $108,873.47 is due at closing. Uses and sources reconcile at $187,756.30 each. Not a Closing Disclosure.