Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,111Cash toward the purchase price.
Closing costs + prepaids$8,511Not just lender fees.
Before credits & paid funds$130,622The complete starting cash picture.
Estimated remaining funds due at closing
$130,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,110.88
Your down payment$122,110.88
Closing costs + prepaids$8,511.05
Total buyer cash needed$130,621.94
Remaining funds due$130,621.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,700.00
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)$425.00
Prepaid interest, first (25 days)$161.05
Fees + prepaids$8,511.05
Your down payment is the seller’s equity. You take over the $47,889 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $130,621.94 is due at closing. Uses and sources reconcile at $178,511.05 each. Not a Closing Disclosure.