Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$119,353Cash toward the purchase price.
Closing costs + prepaids$8,556Not just lender fees.
Before credits & paid funds$127,909The complete starting cash picture.
Estimated remaining funds due at closing
$127,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,352.97
Your down payment$119,352.97
Closing costs + prepaids$8,556.49
Total buyer cash needed$127,909.46
Remaining funds due$127,909.46
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)$95.50
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$280.99
Fees + prepaids$8,556.49
Your down payment is the seller’s equity. You take over the $50,647 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $127,909.46 is due at closing. Uses and sources reconcile at $178,556.49 each. Not a Closing Disclosure.