Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,058Cash toward the purchase price.
Closing costs + prepaids$9,276Not just lender fees.
Before credits & paid funds$41,334The complete starting cash picture.
Estimated remaining funds due at closing
$41,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,058.46
Your down payment$32,058.46
Closing costs + prepaids$9,275.68
Total buyer cash needed$41,334.14
Remaining funds due$41,334.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,700.00
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)$729.75
Prepaid interest, first (31 days)$620.93
Fees + prepaids$9,275.68
Your down payment is the seller’s equity. You take over the $137,942 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $41,334.14 is due at closing. Uses and sources reconcile at $179,275.68 each. Not a Closing Disclosure.