Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,807Cash toward the purchase price.
Closing costs + prepaids$10,662Not just lender fees.
Before credits & paid funds$119,469The complete starting cash picture.
Estimated remaining funds due at closing
$119,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,807.03
Your down payment$108,807.03
Closing costs + prepaids$10,661.70
Total buyer cash needed$119,468.73
Remaining funds due$119,468.73
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)$639.00
Initial HOA (3 months)$1,008.00
Prepaid interest, first (26 days)$389.70
Fees + prepaids$10,661.70
Your down payment is the seller’s equity. You take over the $131,193 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $119,468.73 is due at closing. Uses and sources reconcile at $250,661.70 each. Not a Closing Disclosure.