Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$101,022Cash toward the purchase price.
Closing costs + prepaids$8,434Not just lender fees.
Before credits & paid funds$109,457The complete starting cash picture.
Estimated remaining funds due at closing
$109,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,022.50
Your down payment$101,022.50
Closing costs + prepaids$8,434.24
Total buyer cash needed$109,456.74
Remaining funds due$109,456.74
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)$318.75
Prepaid interest, first (14 days)$190.49
Fees + prepaids$8,434.24
Your down payment is the seller’s equity. You take over the $68,978 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $109,456.74 is due at closing. Uses and sources reconcile at $178,434.24 each. Not a Closing Disclosure.