Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$76,654Cash toward the purchase price.
Closing costs + prepaids$8,159Not just lender fees.
Before credits & paid funds$84,813The complete starting cash picture.
Estimated remaining funds due at closing
$84,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,653.92
Your down payment$76,653.92
Closing costs + prepaids$8,159.26
Total buyer cash needed$84,813.18
Remaining funds due$84,813.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,650.00
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)$198.00
Prepaid interest, first (12 days)$86.26
Fees + prepaids$8,159.26
Your down payment is the seller’s equity. You take over the $88,346 balance, so the rest of the $165,000 price is paid at closing. A second mortgage can cover part of it. $84,813.18 is due at closing. Uses and sources reconcile at $173,159.26 each. Not a Closing Disclosure.