Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$179,273Cash toward the purchase price.
Closing costs + prepaids$9,958Not just lender fees.
Before credits & paid funds$189,231The complete starting cash picture.
Estimated remaining funds due at closing
$189,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,272.89
Your down payment$179,272.89
Closing costs + prepaids$9,957.74
Total buyer cash needed$189,230.62
Remaining funds due$189,230.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,400.00
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)$276.00
Initial HOA (3 months)$792.00
Prepaid interest, first (26 days)$264.74
Fees + prepaids$9,957.74
Your down payment is the seller’s equity. You take over the $60,727 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $189,230.62 is due at closing. Uses and sources reconcile at $249,957.74 each. Not a Closing Disclosure.