Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$114,594Cash toward the purchase price.
Closing costs + prepaids$8,258Not just lender fees.
Before credits & paid funds$122,851The complete starting cash picture.
Estimated remaining funds due at closing
$122,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,593.58
Your down payment$114,593.58
Closing costs + prepaids$8,257.83
Total buyer cash needed$122,851.40
Remaining funds due$122,851.40
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)$212.50
Prepaid interest, first (17 days)$121.33
Fees + prepaids$8,257.83
Your down payment is the seller’s equity. You take over the $55,306 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $122,851.40 is due at closing. Uses and sources reconcile at $178,157.83 each. Not a Closing Disclosure.