Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$84,923Cash toward the purchase price.
Closing costs + prepaids$8,406Not just lender fees.
Before credits & paid funds$93,329The complete starting cash picture.
Estimated remaining funds due at closing
$93,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,922.79
Your down payment$84,922.79
Closing costs + prepaids$8,406.46
Total buyer cash needed$93,329.25
Remaining funds due$93,329.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,725.00
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)$215.75
Prepaid interest, first (16 days)$240.71
Fees + prepaids$8,406.46
Your down payment is the seller’s equity. You take over the $87,577 balance, so the rest of the $172,500 price is paid at closing. A second mortgage can cover part of it. $93,329.25 is due at closing. Uses and sources reconcile at $180,906.46 each. Not a Closing Disclosure.