Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$88,218Cash toward the purchase price.
Closing costs + prepaids$9,323Not just lender fees.
Before credits & paid funds$97,541The complete starting cash picture.
Estimated remaining funds due at closing
$97,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,218.09
Your down payment$88,218.09
Closing costs + prepaids$9,322.68
Total buyer cash needed$97,540.77
Remaining funds due$97,540.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,590.00
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)$405.50
Initial HOA (3 months)$1,044.00
Prepaid interest, first (5 days)$58.18
Fees + prepaids$9,322.68
Your down payment is the seller’s equity. You take over the $70,782 balance, so the rest of the $159,000 price is paid at closing. A second mortgage can cover part of it. $97,540.77 is due at closing. Uses and sources reconcile at $168,322.68 each. Not a Closing Disclosure.