Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$106,762Cash toward the purchase price.
Closing costs + prepaids$8,382Not just lender fees.
Before credits & paid funds$115,144The complete starting cash picture.
Estimated remaining funds due at closing
$115,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,761.95
Your down payment$106,761.95
Closing costs + prepaids$8,381.89
Total buyer cash needed$115,143.84
Remaining funds due$115,143.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$367.50
Prepaid interest, first (24 days)$139.39
Fees + prepaids$8,381.89
Your down payment is the seller’s equity. You take over the $58,238 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $115,143.84 is due at closing. Uses and sources reconcile at $173,381.89 each. Not a Closing Disclosure.