Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$13,941Cash toward the purchase price.
Closing costs + prepaids$8,748Not just lender fees.
Before credits & paid funds$22,688The complete starting cash picture.
Estimated remaining funds due at closing
$22,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,940.87
Your down payment$13,940.87
Closing costs + prepaids$8,747.59
Total buyer cash needed$22,688.46
Remaining funds due$22,688.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,400.00
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)$384.75
Initial HOA (3 months)$180.00
Prepaid interest, first (24 days)$557.84
Fees + prepaids$8,747.59
Your down payment is the seller’s equity. You take over the $126,059 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $22,688.46 is due at closing. Uses and sources reconcile at $148,747.59 each. Not a Closing Disclosure.