Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$48,845Cash toward the purchase price.
Closing costs + prepaids$8,430Not just lender fees.
Before credits & paid funds$57,275The complete starting cash picture.
Estimated remaining funds due at closing
$57,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,845.02
Your down payment$48,845.02
Closing costs + prepaids$8,429.58
Total buyer cash needed$57,274.59
Remaining funds due$57,274.59
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)$219.25
Prepaid interest, first (28 days)$285.33
Fees + prepaids$8,429.58
Your down payment is the seller’s equity. You take over the $121,155 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $57,274.59 is due at closing. Uses and sources reconcile at $178,429.58 each. Not a Closing Disclosure.