Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$55,524Cash toward the purchase price.
Closing costs + prepaids$8,140Not just lender fees.
Before credits & paid funds$63,664The complete starting cash picture.
Estimated remaining funds due at closing
$63,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,523.97
Your down payment$55,523.97
Closing costs + prepaids$8,140.02
Total buyer cash needed$63,663.99
Remaining funds due$63,663.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,399.00
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)$180.25
Prepaid interest, first (25 days)$335.77
Fees + prepaids$8,140.02
Your down payment is the seller’s equity. You take over the $84,376 balance, so the rest of the $139,900 price is paid at closing. A second mortgage can cover part of it. $63,663.99 is due at closing. Uses and sources reconcile at $148,040.02 each. Not a Closing Disclosure.