Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$5,518Cash toward the purchase price.
Closing costs + prepaids$8,281Not just lender fees.
Before credits & paid funds$13,799The complete starting cash picture.
Estimated remaining funds due at closing
$13,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,517.67
Your down payment$5,517.67
Closing costs + prepaids$8,280.97
Total buyer cash needed$13,798.64
Remaining funds due$13,798.64
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)$624.50
Prepaid interest, first (2 days)$31.47
Fees + prepaids$8,280.97
Your down payment is the seller’s equity. You take over the $134,482 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $13,798.64 is due at closing. Uses and sources reconcile at $148,280.97 each. Not a Closing Disclosure.