Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$155,826Cash toward the purchase price.
Closing costs + prepaids$8,285Not just lender fees.
Before credits & paid funds$164,111The complete starting cash picture.
Estimated remaining funds due at closing
$164,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,825.74
Your down payment$155,825.74
Closing costs + prepaids$8,285.06
Total buyer cash needed$164,110.80
Remaining funds due$164,110.80
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)$298.50
Prepaid interest, first (24 days)$62.56
Fees + prepaids$8,285.06
Your down payment is the seller’s equity. You take over the $14,074 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $164,110.80 is due at closing. Uses and sources reconcile at $178,185.06 each. Not a Closing Disclosure.