Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$56,675Cash toward the purchase price.
Closing costs + prepaids$9,937Not just lender fees.
Before credits & paid funds$66,611The complete starting cash picture.
Estimated remaining funds due at closing
$66,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,674.68
Your down payment$56,674.68
Closing costs + prepaids$9,936.77
Total buyer cash needed$66,611.45
Remaining funds due$66,611.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,690.00
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)$422.50
Initial HOA (3 months)$1,350.00
Prepaid interest, first (27 days)$249.27
Fees + prepaids$9,936.77
Your down payment is the seller’s equity. You take over the $112,325 balance, so the rest of the $169,000 price is paid at closing. A second mortgage can cover part of it. $66,611.45 is due at closing. Uses and sources reconcile at $178,936.77 each. Not a Closing Disclosure.