Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$15,227Cash toward the purchase price.
Closing costs + prepaids$8,581Not just lender fees.
Before credits & paid funds$23,808The complete starting cash picture.
Estimated remaining funds due at closing
$23,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,227.31
Your down payment$15,227.31
Closing costs + prepaids$8,580.90
Total buyer cash needed$23,808.21
Remaining funds due$23,808.21
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)$228.50
Initial HOA (3 months)$137.49
Prepaid interest, first (25 days)$590.91
Fees + prepaids$8,580.90
Your down payment is the seller’s equity. You take over the $124,673 balance, so the rest of the $139,900 price is paid at closing. A second mortgage can cover part of it. $23,808.21 is due at closing. Uses and sources reconcile at $148,480.90 each. Not a Closing Disclosure.