Take a look at these numbers help me see what I am missing. PLS

[Quandra Adams]

My offer was accepted on a duplex but I am not understanding how my mortgage lender ended up with the loan amount. Here are the figures. If there is other info you need, please let me know.

- Sale price 

90,100 (The seller's bottom asking price is 85,900. They agreed to pay my closing costs by adding it to the price so I don't have to pay it our of pocket and they still get their bottom asking price)

- Due Diligence

200

- Earnest Money

200

- Home Warranty

500

I just got my loan estimate amount from my lender which is 88,467. I am just trying to figure out how I end up paying more than the seller's bottom line asking price if they are paying closing and the DD money goes towards the loan (or where ever if I close this property). Yes, this is my first property and first time home ownership and I do not understand how they calculate these things but what am I missing? What other info do you need to check these numbers.