Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$183,534Cash toward the purchase price.
Closing costs + prepaids$9,485Not just lender fees.
Before credits & paid funds$193,019The complete starting cash picture.
Estimated remaining funds due at closing
$193,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,534.35
Your down payment$183,534.35
Closing costs + prepaids$9,485.08
Total buyer cash needed$193,019.43
Remaining funds due$193,019.43
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)$590.25
Prepaid interest, first (27 days)$269.83
Fees + prepaids$9,485.08
Your down payment is the seller’s equity. You take over the $56,466 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $193,019.43 is due at closing. Uses and sources reconcile at $249,485.08 each. Not a Closing Disclosure.