Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$140,421Cash toward the purchase price.
Closing costs + prepaids$14,025Not just lender fees.
Before credits & paid funds$154,445The complete starting cash picture.
Estimated remaining funds due at closing
$154,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,420.79
Your down payment$140,420.79
Closing costs + prepaids$14,024.56
Total buyer cash needed$154,445.34
Remaining funds due$154,445.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$494.75
Initial HOA (3 months)$212.49
Prepaid interest, first (25 days)$1,442.32
Fees + prepaids$14,024.56
Your down payment is the seller’s equity. You take over the $399,579 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $154,445.34 is due at closing. Uses and sources reconcile at $554,024.56 each. Not a Closing Disclosure.