Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$160,615Cash toward the purchase price.
Closing costs + prepaids$9,607Not just lender fees.
Before credits & paid funds$170,222The complete starting cash picture.
Estimated remaining funds due at closing
$170,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,614.83
Your down payment$160,614.83
Closing costs + prepaids$9,607.49
Total buyer cash needed$170,222.32
Remaining funds due$170,222.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,799.00
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)$139.75
Prepaid interest, first (31 days)$443.74
Fees + prepaids$9,607.49
Your down payment is the seller’s equity. You take over the $119,285 balance, so the rest of the $279,900 price is paid at closing. A second mortgage can cover part of it. $170,222.32 is due at closing. Uses and sources reconcile at $289,507.49 each. Not a Closing Disclosure.