Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$89,451Cash toward the purchase price.
Closing costs + prepaids$8,618Not just lender fees.
Before credits & paid funds$98,069The complete starting cash picture.
Estimated remaining funds due at closing
$98,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,451.22
Your down payment$89,451.22
Closing costs + prepaids$8,618.09
Total buyer cash needed$98,069.31
Remaining funds due$98,069.31
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)$334.00
Prepaid interest, first (24 days)$269.09
Fees + prepaids$8,618.09
Your down payment is the seller’s equity. You take over the $89,549 balance, so the rest of the $179,000 price is paid at closing. A second mortgage can cover part of it. $98,069.31 is due at closing. Uses and sources reconcile at $187,618.09 each. Not a Closing Disclosure.