Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$62,863Cash toward the purchase price.
Closing costs + prepaids$7,852Not just lender fees.
Before credits & paid funds$70,715The complete starting cash picture.
Estimated remaining funds due at closing
$70,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,863.35
Your down payment$62,863.35
Closing costs + prepaids$7,851.58
Total buyer cash needed$70,714.93
Remaining funds due$70,714.93
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)$168.00
Prepaid interest, first (9 days)$58.58
Fees + prepaids$7,851.58
Your down payment is the seller’s equity. You take over the $77,137 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $70,714.93 is due at closing. Uses and sources reconcile at $147,851.58 each. Not a Closing Disclosure.