Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$88,088Cash toward the purchase price.
Closing costs + prepaids$9,181Not just lender fees.
Before credits & paid funds$97,270The complete starting cash picture.
Estimated remaining funds due at closing
$97,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,088.48
Your down payment$88,088.48
Closing costs + prepaids$9,181.10
Total buyer cash needed$97,269.58
Remaining funds due$97,269.58
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)$83.50
Initial HOA (3 months)$960.00
Prepaid interest, first (27 days)$322.60
Fees + prepaids$9,181.10
Your down payment is the seller’s equity. You take over the $70,912 balance, so the rest of the $159,000 price is paid at closing. A second mortgage can cover part of it. $97,269.58 is due at closing. Uses and sources reconcile at $168,181.10 each. Not a Closing Disclosure.