Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$170,306Cash toward the purchase price.
Closing costs + prepaids$8,986Not just lender fees.
Before credits & paid funds$179,292The complete starting cash picture.
Estimated remaining funds due at closing
$179,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,305.99
Your down payment$170,305.99
Closing costs + prepaids$8,986.18
Total buyer cash needed$179,292.17
Remaining funds due$179,292.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,910.00
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)$744.50
Prepaid interest, first (28 days)$106.68
Fees + prepaids$8,986.18
Your down payment is the seller’s equity. You take over the $20,694 balance, so the rest of the $191,000 price is paid at closing. A second mortgage can cover part of it. $179,292.17 is due at closing. Uses and sources reconcile at $199,986.18 each. Not a Closing Disclosure.