Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,863Cash toward the purchase price.
Closing costs + prepaids$7,862Not just lender fees.
Before credits & paid funds$70,725The complete starting cash picture.
Estimated remaining funds due at closing
$70,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,863.35
Your down payment$62,863.35
Closing costs + prepaids$7,861.74
Total buyer cash needed$70,725.10
Remaining funds due$70,725.10
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 (27 days)$175.74
Fees + prepaids$7,861.74
Your down payment is the seller’s equity. You take over the $77,137 balance, so the rest of the $140,000 price is paid at closing. A second mortgage can cover part of it. $70,725.10 is due at closing. Uses and sources reconcile at $147,861.74 each. Not a Closing Disclosure.