Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$57,646Cash toward the purchase price.
Closing costs + prepaids$8,412Not just lender fees.
Before credits & paid funds$66,059The complete starting cash picture.
Estimated remaining funds due at closing
$66,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,646.49
Your down payment$57,646.49
Closing costs + prepaids$8,412.15
Total buyer cash needed$66,058.64
Remaining funds due$66,058.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.00
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)$433.25
Prepaid interest, first (5 days)$54.90
Fees + prepaids$8,412.15
Your down payment is the seller’s equity. You take over the $112,254 balance, so the rest of the $169,900 price is paid at closing. A second mortgage can cover part of it. $66,058.64 is due at closing. Uses and sources reconcile at $178,312.15 each. Not a Closing Disclosure.