Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$240,837Cash toward the purchase price.
Closing costs + prepaids$12,149Not just lender fees.
Before credits & paid funds$252,986The complete starting cash picture.
Estimated remaining funds due at closing
$252,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,836.85
Your down payment$240,836.85
Closing costs + prepaids$12,149.31
Total buyer cash needed$252,986.16
Remaining funds due$252,986.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,399.00
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)$1,099.75
Prepaid interest, first (27 days)$425.56
Fees + prepaids$12,149.31
Your down payment is the seller’s equity. You take over the $199,063 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $252,986.16 is due at closing. Uses and sources reconcile at $452,049.31 each. Not a Closing Disclosure.