Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$81,133Cash toward the purchase price.
Closing costs + prepaids$8,473Not just lender fees.
Before credits & paid funds$89,605The complete starting cash picture.
Estimated remaining funds due at closing
$89,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,132.63
Your down payment$81,132.63
Closing costs + prepaids$8,472.70
Total buyer cash needed$89,605.33
Remaining funds due$89,605.33
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)$194.50
Initial HOA (3 months)$123.00
Prepaid interest, first (31 days)$230.20
Fees + prepaids$8,472.70
Your down payment is the seller’s equity. You take over the $88,867 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $89,605.33 is due at closing. Uses and sources reconcile at $178,472.70 each. Not a Closing Disclosure.