Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$118,316Cash toward the purchase price.
Closing costs + prepaids$9,422Not just lender fees.
Before credits & paid funds$127,738The complete starting cash picture.
Estimated remaining funds due at closing
$127,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,315.98
Your down payment$118,315.98
Closing costs + prepaids$9,422.08
Total buyer cash needed$127,738.06
Remaining funds due$127,738.06
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)$1,318.00
Prepaid interest, first (31 days)$179.09
Fees + prepaids$9,422.08
Your down payment is the seller’s equity. You take over the $51,683 balance, so the rest of the $169,999 price is paid at closing. A second mortgage can cover part of it. $127,738.06 is due at closing. Uses and sources reconcile at $179,421.08 each. Not a Closing Disclosure.