Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$140,864Cash toward the purchase price.
Closing costs + prepaids$8,538Not just lender fees.
Before credits & paid funds$149,401The complete starting cash picture.
Estimated remaining funds due at closing
$149,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,863.57
Your down payment$140,863.57
Closing costs + prepaids$8,537.88
Total buyer cash needed$149,401.45
Remaining funds due$149,401.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,800.00
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)$332.75
Prepaid interest, first (25 days)$180.13
Fees + prepaids$8,537.88
Your down payment is the seller’s equity. You take over the $39,136 balance, so the rest of the $180,000 price is paid at closing. A second mortgage can cover part of it. $149,401.45 is due at closing. Uses and sources reconcile at $188,537.88 each. Not a Closing Disclosure.