Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,396Cash toward the purchase price.
Closing costs + prepaids$9,957Not just lender fees.
Before credits & paid funds$46,353The complete starting cash picture.
Estimated remaining funds due at closing
$46,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,395.81
Your down payment$36,395.81
Closing costs + prepaids$9,956.96
Total buyer cash needed$46,352.77
Remaining funds due$46,352.77
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)$412.00
Prepaid interest, first (28 days)$919.96
Fees + prepaids$9,956.96
Your down payment is the seller’s equity. You take over the $203,604 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $46,352.77 is due at closing. Uses and sources reconcile at $249,956.96 each. Not a Closing Disclosure.