Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$12,976Cash toward the purchase price.
Closing costs + prepaids$8,961Not just lender fees.
Before credits & paid funds$21,938The complete starting cash picture.
Estimated remaining funds due at closing
$21,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,976.47
Your down payment$12,976.47
Closing costs + prepaids$8,961.19
Total buyer cash needed$21,937.67
Remaining funds due$21,937.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,700.00
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)$749.25
Prepaid interest, first (23 days)$286.94
Fees + prepaids$8,961.19
Your down payment is the seller’s equity. You take over the $157,024 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $21,937.67 is due at closing. Uses and sources reconcile at $178,961.19 each. Not a Closing Disclosure.