Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$39,940Cash toward the purchase price.
Closing costs + prepaids$8,542Not just lender fees.
Before credits & paid funds$48,482The complete starting cash picture.
Estimated remaining funds due at closing
$48,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,940.21
Your down payment$39,940.21
Closing costs + prepaids$8,541.83
Total buyer cash needed$48,482.04
Remaining funds due$48,482.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,449.00
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)$567.50
Prepaid interest, first (28 days)$300.33
Fees + prepaids$8,541.83
Your down payment is the seller’s equity. You take over the $104,960 balance, so the rest of the $144,900 price is paid at closing. A second mortgage can cover part of it. $48,482.04 is due at closing. Uses and sources reconcile at $153,441.83 each. Not a Closing Disclosure.