Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$160,168Cash toward the purchase price.
Closing costs + prepaids$10,041Not just lender fees.
Before credits & paid funds$170,209The complete starting cash picture.
Estimated remaining funds due at closing
$170,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,168.00
Your down payment$160,168.00
Closing costs + prepaids$10,040.95
Total buyer cash needed$170,208.95
Remaining funds due$170,208.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,895.00
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)$511.25
Prepaid interest, first (25 days)$409.70
Fees + prepaids$10,040.95
Your down payment is the seller’s equity. You take over the $129,332 balance, so the rest of the $289,500 price is paid at closing. A second mortgage can cover part of it. $170,208.95 is due at closing. Uses and sources reconcile at $299,540.95 each. Not a Closing Disclosure.