Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$240,071Cash toward the purchase price.
Closing costs + prepaids$12,213Not just lender fees.
Before credits & paid funds$252,284The complete starting cash picture.
Estimated remaining funds due at closing
$252,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,071.08
Your down payment$240,071.08
Closing costs + prepaids$12,213.08
Total buyer cash needed$252,284.16
Remaining funds due$252,284.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,400.00
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)$1,060.00
Initial HOA (3 months)$159.99
Prepaid interest, first (24 days)$368.09
Fees + prepaids$12,213.08
Your down payment is the seller’s equity. You take over the $199,929 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $252,284.16 is due at closing. Uses and sources reconcile at $452,213.08 each. Not a Closing Disclosure.