Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$110,414Cash toward the purchase price.
Closing costs + prepaids$8,606Not just lender fees.
Before credits & paid funds$119,020The complete starting cash picture.
Estimated remaining funds due at closing
$119,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,413.63
Your down payment$110,413.63
Closing costs + prepaids$8,606.42
Total buyer cash needed$119,020.05
Remaining funds due$119,020.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,599.90
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)$650.50
Prepaid interest, first (26 days)$131.02
Fees + prepaids$8,606.42
Your down payment is the seller’s equity. You take over the $49,576 balance, so the rest of the $159,990 price is paid at closing. A second mortgage can cover part of it. $119,020.05 is due at closing. Uses and sources reconcile at $168,596.42 each. Not a Closing Disclosure.