Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$140,237Cash toward the purchase price.
Closing costs + prepaids$12,015Not just lender fees.
Before credits & paid funds$152,252The complete starting cash picture.
Estimated remaining funds due at closing
$152,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,237.11
Your down payment$140,237.11
Closing costs + prepaids$12,015.24
Total buyer cash needed$152,252.35
Remaining funds due$152,252.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$1,281.50
Prepaid interest, first (2 days)$108.74
Fees + prepaids$12,015.24
Your down payment is the seller’s equity. You take over the $299,763 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $152,252.35 is due at closing. Uses and sources reconcile at $452,015.24 each. Not a Closing Disclosure.