Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$115,648Cash toward the purchase price.
Closing costs + prepaids$8,424Not just lender fees.
Before credits & paid funds$124,071The complete starting cash picture.
Estimated remaining funds due at closing
$124,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,647.67
Your down payment$115,647.67
Closing costs + prepaids$8,423.83
Total buyer cash needed$124,071.50
Remaining funds due$124,071.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.00
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)$308.00
Prepaid interest, first (27 days)$191.83
Fees + prepaids$8,423.83
Your down payment is the seller’s equity. You take over the $54,252 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $124,071.50 is due at closing. Uses and sources reconcile at $178,323.83 each. Not a Closing Disclosure.