Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$112,319Cash toward the purchase price.
Closing costs + prepaids$9,190Not just lender fees.
Before credits & paid funds$121,509The complete starting cash picture.
Estimated remaining funds due at closing
$121,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,319.08
Your down payment$112,319.08
Closing costs + prepaids$9,189.51
Total buyer cash needed$121,508.59
Remaining funds due$121,508.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,679.00
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)$365.75
Initial HOA (3 months)$780.00
Prepaid interest, first (26 days)$139.76
Fees + prepaids$9,189.51
Your down payment is the seller’s equity. You take over the $55,581 balance, so the rest of the $167,900 price is paid at closing. A second mortgage can cover part of it. $121,508.59 is due at closing. Uses and sources reconcile at $177,089.51 each. Not a Closing Disclosure.