Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$78,243Cash toward the purchase price.
Closing costs + prepaids$8,222Not just lender fees.
Before credits & paid funds$86,465The complete starting cash picture.
Estimated remaining funds due at closing
$86,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,243.28
Your down payment$78,243.28
Closing costs + prepaids$8,221.72
Total buyer cash needed$86,465.01
Remaining funds due$86,465.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$206.25
Prepaid interest, first (15 days)$140.47
Fees + prepaids$8,221.72
Your down payment is the seller’s equity. You take over the $86,757 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $86,465.01 is due at closing. Uses and sources reconcile at $173,221.72 each. Not a Closing Disclosure.