Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$136,223Cash toward the purchase price.
Closing costs + prepaids$8,453Not just lender fees.
Before credits & paid funds$144,677The complete starting cash picture.
Estimated remaining funds due at closing
$144,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,223.43
Your down payment$136,223.43
Closing costs + prepaids$8,453.41
Total buyer cash needed$144,676.83
Remaining funds due$144,676.83
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)$409.00
Prepaid interest, first (30 days)$120.41
Fees + prepaids$8,453.41
Your down payment is the seller’s equity. You take over the $33,677 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $144,676.83 is due at closing. Uses and sources reconcile at $178,353.41 each. Not a Closing Disclosure.