Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$62,689Cash toward the purchase price.
Closing costs + prepaids$7,693Not just lender fees.
Before credits & paid funds$70,381The complete starting cash picture.
Estimated remaining funds due at closing
$70,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,688.62
Your down payment$62,688.62
Closing costs + prepaids$7,692.52
Total buyer cash needed$70,381.14
Remaining funds due$70,381.14
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)$61.00
Prepaid interest, first (1 days)$6.52
Fees + prepaids$7,692.52
Your down payment is the seller’s equity. You take over the $77,311 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $70,381.14 is due at closing. Uses and sources reconcile at $147,692.52 each. Not a Closing Disclosure.