Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$77,231Cash toward the purchase price.
Closing costs + prepaids$10,179Not just lender fees.
Before credits & paid funds$87,410The complete starting cash picture.
Estimated remaining funds due at closing
$87,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,231.23
Your down payment$77,231.23
Closing costs + prepaids$10,179.01
Total buyer cash needed$87,410.23
Remaining funds due$87,410.23
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)$244.00
Initial HOA (3 months)$990.00
Prepaid interest, first (24 days)$320.01
Fees + prepaids$10,179.01
Your down payment is the seller’s equity. You take over the $162,769 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $87,410.23 is due at closing. Uses and sources reconcile at $250,179.01 each. Not a Closing Disclosure.