Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$140,563Cash toward the purchase price.
Closing costs + prepaids$13,156Not just lender fees.
Before credits & paid funds$153,718The complete starting cash picture.
Estimated remaining funds due at closing
$153,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,562.84
Your down payment$140,562.84
Closing costs + prepaids$13,155.60
Total buyer cash needed$153,718.44
Remaining funds due$153,718.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$1,281.50
Prepaid interest, first (23 days)$1,249.10
Fees + prepaids$13,155.60
Your down payment is the seller’s equity. You take over the $299,437 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $153,718.44 is due at closing. Uses and sources reconcile at $453,155.60 each. Not a Closing Disclosure.