Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,611Cash toward the purchase price.
Closing costs + prepaids$8,710Not just lender fees.
Before credits & paid funds$91,322The complete starting cash picture.
Estimated remaining funds due at closing
$91,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,611.46
Your down payment$82,611.46
Closing costs + prepaids$8,710.07
Total buyer cash needed$91,321.53
Remaining funds due$91,321.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,790.00
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)$447.50
Prepaid interest, first (25 days)$247.57
Fees + prepaids$8,710.07
Your down payment is the seller’s equity. You take over the $96,389 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $91,321.53 is due at closing. Uses and sources reconcile at $187,710.07 each. Not a Closing Disclosure.