Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$95,146Cash toward the purchase price.
Closing costs + prepaids$9,722Not just lender fees.
Before credits & paid funds$104,867The complete starting cash picture.
Estimated remaining funds due at closing
$104,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,145.53
Your down payment$95,145.53
Closing costs + prepaids$9,721.71
Total buyer cash needed$104,867.24
Remaining funds due$104,867.24
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)$97.00
Initial HOA (3 months)$735.00
Prepaid interest, first (23 days)$264.71
Fees + prepaids$9,721.71
Your down payment is the seller’s equity. You take over the $144,854 balance, so the rest of the $240,000 price is paid at closing. A second mortgage can cover part of it. $104,867.24 is due at closing. Uses and sources reconcile at $249,721.71 each. Not a Closing Disclosure.