Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$160,192Cash toward the purchase price.
Closing costs + prepaids$8,808Not just lender fees.
Before credits & paid funds$169,000The complete starting cash picture.
Estimated remaining funds due at closing
$169,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,192.39
Your down payment$160,192.39
Closing costs + prepaids$8,807.61
Total buyer cash needed$169,000.00
Remaining funds due$169,000.00
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)$98.75
Initial HOA (3 months)$720.00
Prepaid interest, first (26 days)$64.86
Fees + prepaids$8,807.61
Your down payment is the seller’s equity. You take over the $9,708 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $169,000.00 is due at closing. Uses and sources reconcile at $178,707.61 each. Not a Closing Disclosure.