Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$120,513Cash toward the purchase price.
Closing costs + prepaids$8,461Not just lender fees.
Before credits & paid funds$128,974The complete starting cash picture.
Estimated remaining funds due at closing
$128,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,512.82
Your down payment$120,512.82
Closing costs + prepaids$8,460.94
Total buyer cash needed$128,973.77
Remaining funds due$128,973.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,700.00
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)$174.25
Initial HOA (3 months)$357.00
Prepaid interest, first (1 days)$4.69
Fees + prepaids$8,460.94
Your down payment is the seller’s equity. You take over the $49,487 balance, so the rest of the $170,000 price is paid at closing. A second mortgage can cover part of it. $128,973.77 is due at closing. Uses and sources reconcile at $178,460.94 each. Not a Closing Disclosure.