Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,628Cash toward the purchase price.
Closing costs + prepaids$10,227Not just lender fees.
Before credits & paid funds$41,855The complete starting cash picture.
Estimated remaining funds due at closing
$41,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,628.11
Your down payment$31,628.11
Closing costs + prepaids$10,226.85
Total buyer cash needed$41,854.96
Remaining funds due$41,854.96
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)$399.25
Initial HOA (3 months)$1,932.00
Prepaid interest, first (31 days)$270.60
Fees + prepaids$10,226.85
Your down payment is the seller’s equity. You take over the $108,372 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $41,854.96 is due at closing. Uses and sources reconcile at $150,226.85 each. Not a Closing Disclosure.