Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$91,713Cash toward the purchase price.
Closing costs + prepaids$8,304Not just lender fees.
Before credits & paid funds$100,017The complete starting cash picture.
Estimated remaining funds due at closing
$100,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,712.54
Your down payment$91,712.54
Closing costs + prepaids$8,304.19
Total buyer cash needed$100,016.73
Remaining funds due$100,016.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.99
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)$111.25
Prepaid interest, first (31 days)$267.95
Fees + prepaids$8,304.19
Your down payment is the seller’s equity. You take over the $78,286 balance, so the rest of the $169,999 price is paid at closing. A second mortgage can cover part of it. $100,016.73 is due at closing. Uses and sources reconcile at $178,303.19 each. Not a Closing Disclosure.