Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,675Cash toward the purchase price.
Closing costs + prepaids$8,744Not just lender fees.
Before credits & paid funds$49,419The complete starting cash picture.
Estimated remaining funds due at closing
$49,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,675.22
Your down payment$40,675.22
Closing costs + prepaids$8,743.55
Total buyer cash needed$49,418.76
Remaining funds due$49,418.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,400.00
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)$74.25
Initial HOA (3 months)$810.00
Prepaid interest, first (30 days)$234.30
Fees + prepaids$8,743.55
Your down payment is the seller’s equity. You take over the $99,325 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $49,418.76 is due at closing. Uses and sources reconcile at $148,743.55 each. Not a Closing Disclosure.