Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$137,432Cash toward the purchase price.
Closing costs + prepaids$8,381Not just lender fees.
Before credits & paid funds$145,813The complete starting cash picture.
Estimated remaining funds due at closing
$145,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,432.00
Your down payment$137,432.00
Closing costs + prepaids$8,381.34
Total buyer cash needed$145,813.34
Remaining funds due$145,813.34
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)$433.50
Prepaid interest, first (5 days)$22.84
Fees + prepaids$8,381.34
Your down payment is the seller’s equity. You take over the $32,568 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $145,813.34 is due at closing. Uses and sources reconcile at $178,381.34 each. Not a Closing Disclosure.