Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$106,779Cash toward the purchase price.
Closing costs + prepaids$8,342Not just lender fees.
Before credits & paid funds$115,121The complete starting cash picture.
Estimated remaining funds due at closing
$115,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,779.23
Your down payment$106,779.23
Closing costs + prepaids$8,341.69
Total buyer cash needed$115,120.92
Remaining funds due$115,120.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
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)$70.50
Prepaid interest, first (23 days)$296.19
Fees + prepaids$8,341.69
Your down payment is the seller’s equity. You take over the $68,221 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $115,120.92 is due at closing. Uses and sources reconcile at $183,341.69 each. Not a Closing Disclosure.