Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,063Cash toward the purchase price.
Closing costs + prepaids$8,735Not just lender fees.
Before credits & paid funds$64,798The complete starting cash picture.
Estimated remaining funds due at closing
$64,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,063.18
Your down payment$56,063.18
Closing costs + prepaids$8,735.29
Total buyer cash needed$64,798.47
Remaining funds due$64,798.47
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)$579.00
Prepaid interest, first (28 days)$232.29
Fees + prepaids$8,735.29
Your down payment is the seller’s equity. You take over the $113,837 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $64,798.47 is due at closing. Uses and sources reconcile at $178,635.29 each. Not a Closing Disclosure.